State credit union · DOWNEY, California · NCUA charter #68457
Financial Partners
Health score 83/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 83
- Health / 100
- $2.24B
- Total assets
- 93,716
- Members
- 9.0%
- Net-worth ratio
Financial Partners scores 83/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $2.24B; members 93,716; net-worth ratio 9.03%; health rank #2,342 of 4,374; healthier than 46th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#2,342 of 4,374 health · 2025Q4Financial Partners · health 83/100 · $2.24B · 2025Q4
- NCUSIF 83/100
- CAMELS 9.0%
- HEALTH 0.67%
- NW 0.15%
- DELQ $2.24B
- ROA 93,716
- ASSETS #2,342/4,374
- MEM HANSCOM
- RANK 68457
Call Report peers
Financial Partners in the assets neighbourhood
Financial Partners's $2.24B assets sit next to HANSCOM ($2.21B) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Financial Partners vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
83 46th percentile higher than 46% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Financial Partners - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #68457. See our deposit-insurance coverage note.
Financial Partners vs Over $500M peers
- Loan-to-Share Ratio leads the peer set - 94.28% here, 83.90% peer average (+10.38 pp).
- Largest lag: Net Worth Ratio at 9.03% vs peer 11.18% (-2.15 pp).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Financial Partners: in-state Call Report ranks
- Health composite ranks #141 of 243 among scored California credit unions.
- By total assets, Financial Partners is #32 of 243 in California.
- Membership ranks #36 of 243 among California CUs with a reported count (93,716 members).
In-state ordinals use the live credit_unions table for CA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for Financial Partners
Financial Partners: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.4% from $2.24B (2025Q4) to $2.25B (2026Q1).
- Net-worth ratio shifted +0.15 pp (8.88% → 9.03%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 9.03% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 83/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 83.
- Net Worth Ratio 27.6 pts
- Delinquency Rate 23.3 pts
- Return on Assets 9.7 pts
- Member Growth 9.6 pts
- Loan-to-Share Ratio 12.8 pts
Call Report ratios for Financial Partners
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.03% | -2.15 pp |
| Delinquency Rate | 0.67% | -0.21 pp |
| Return on Assets | 0.15% | -0.36 pp |
| Member Growth | 0.50% | - |
| Loan-to-Share Ratio | 94.28% | +10.38 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Financial Partners quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $2.25B | - |
| 2025Q4 | $2.24B | 93,716 |
| 2024Q4 | $2.24B | 93,247 |
| 2023Q4 | $2.27B | 90,248 |
Credit Union Details
- Charter Number
- 68457
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- California
- City
- DOWNEY
- Data Quarter
- 2025Q4
Branch Locations (15)
Financial Partners operates 15 offices across 14 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Downey Corporate Office (Main Office) | Downey, CA |
| Brea | Brea, CA |
| Costa Mesa | Costa Mesa, CA |
| Gateway | Downey, CA |
| Irvine-Michelson | Irvine, CA |
| Laguna Woods | Laguna Woods, CA |
| Loma Linda | Loma Linda, CA |
| Long Beach | Long Beach, CA |
| Orange Branch | Orange, CA |
| VA Hospital | San Diego, CA |
| Seal Beach | Seal Beach, CA |
| South San Francisco | South San Francisco, CA |
| Huntington Beach | Westminster, CA |
| Whittier PIH | Whittier, CA |
| Woodland Hills Branch | Woodland Hills, CA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in California
A look at other California credit unions, ranked by how closely their peer group and asset size match this one.
Nationwide credit unions with similar profiles
Financial Partners's nationwide photo peers by assets and by health score, excluding California charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($2.24B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (83/100 here).
Using this data
- Financial Partners ranks #2,342 of 4,374 nationally on financial health and #141 of 243 in CA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Coast Central is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Coast Central
- Rates and health both vary by institution, not just by state -- see how California credit unions compare overall before assuming this one is typical. California state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Financial Partners financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Financial Partners carries a financial health score of 83/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #2,342 of 4,374; by total assets it ranks #235 of 4,374 nationally (same basis as /rankings/largest); and #32 of 243 within California. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 9.03% net worth ratio and a 0.67% delinquency rate.
How does Financial Partners compare to other credit unions?
Financial Partners scores 83/100 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 Financial Partners?
Membership eligibility for Financial Partners depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Financial Partners directly for current membership requirements and application steps.
Is my money safe at Financial Partners?
Federal credit unions like Financial Partners 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. Financial Partners's net worth ratio of 9.03% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Financial Partners offer compared to banks?
Credit unions like Financial Partners 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 Financial Partners directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
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.