Federal credit union · Los Angeles, California · NCUA charter #1074
Farmers Insurance
Health score 64/100 (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 64
- Health / 100
- $1.33B
- Total assets
- 65,853
- Members
- 9.7%
- Net-worth ratio
Farmers Insurance - Share Insurance Coverage
Charter #1074's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Farmers Insurance - Five Health Pillars
The five bars below are this credit union's pillar-level 0-100 sub-scores. Sum the weighted pillars and you get the headline health score above - same NCUA 5300 data, no normalisation tricks applied.
- Capital (net worth ratio)97
- Asset quality (delinquency)64
- Earnings (ROA)0
- Member growth69
- Liquidity (loan-to-share)55
Weighted composite: 64/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 9.67%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 9.67% | 30% |
| Delinquency Rate | 1.53% | 25% |
| Return on Assets | -0.72% | 15% |
| Member Growth | 1.15% | 15% |
| Loan-to-Share Ratio | 105.92% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $1.33B | 65,853 |
| 2024Q4 | $1.44B | 65,103 |
| 2023Q4 | $1.54B | 63,110 |
Credit Union Details
- Charter Number
- 1074
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Over $500M
- State
- California
- City
- Los Angeles
- Data Quarter
- 2025Q4
What This Data Says About Farmers Insurance
Farmers Insurance is a federal credit union headquartered in Los Angeles, California, serving 65,853 members with $1.33B in total assets and $1.20B in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 64/100 (Good), anchored by a net worth ratio of 9.67% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #1074 operates under peer group Over $500M, a cohort of 749 similarly-sized institutions.
On loan book quality: 1.53% of loans are 60+ days past due against the total loan book - the peer group average for Over $500M credit unions sits at 0.874%, so this institution is running looser than peers. Meanwhile a 105.92% loan-to-share ratio shows how aggressively member deposits get deployed into lending, above the 80% band that can indicate tighter liquidity management. Return on assets stands at -0.72% on net income of $-9567732 for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 1.15%. The institution reports against the NCUA 5300 Call Report on a quarterly cadence; the figures above reflect the 2025Q4 reporting period. Membership eligibility depends on the stated field of membership (currently: Community). See our disclaimer for NCUSIF deposit-insurance coverage and how to use this data before opening any account or borrowing.
Nearby Credit Unions in California
More federally-insured credit unions based in California, ordered by peer group match and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Farmers Insurance financially healthy?
Yes/no aside, the number is 64/100 (Good) - Farmers Insurance's financial health score from the NCUA 5300 Call Report, Q4 2025. Above 80 reads excellent, below 50 warrants closer monitoring; a 9.67% net worth ratio and 1.53% delinquency rate are the key drivers.
How does Farmers Insurance compare to other credit unions?
Farmers Insurance scores 64/100 on PlainCU's health composite, compared to a peer group average for Over $500M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Farmers Insurance?
Farmers Insurance operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Farmers Insurance directly for the exact boundaries and application steps.
Is my money safe at Farmers Insurance?
Federal credit unions like Farmers Insurance are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Farmers Insurance's net worth ratio of 9.67% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Farmers Insurance offer compared to banks?
Credit unions like Farmers Insurance are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Farmers Insurance directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.