State credit union · DOWNEY, California · NCUA charter #68457
Financial Partners
Health score 73/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 73
- Health / 100
- $2.24B
- Total assets
- 93,716
- Members
- 6.3%
- Net-worth ratio
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 - Five Health Pillars
Each bar is the credit union's 0-100 sub-score on one pillar of the composite. The weighted sum of these five sub-scores is the headline health score above, same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)57
- Asset quality (delinquency)93
- Earnings (ROA)65
- Member growth64
- Liquidity (loan-to-share)87
Weighted composite: 73/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This institution's 6.26% net worth ratio sits below the NCUA's 7.0% well-capitalized threshold.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 6.26% | 30% |
| Delinquency Rate | 0.67% | 25% |
| Return on Assets | 0.15% | 15% |
| Member Growth | 0.50% | 15% |
| Loan-to-Share Ratio | 94.28% | 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 | $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
What This Data Says About Financial Partners
The five-factor composite scores Financial Partners at 73/100 (Very Good), reflecting a net worth ratio of 6.26% - relative to the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. This state credit union, headquartered in DOWNEY, California, reports 93,716 members, $2.24B in total assets, and $1.67B in outstanding loans as of Q4 2025 under charter #68457 (peer group Over $500M, a cohort of 749 similarly-sized institutions).
Deposits deployed into lending sit at a 94.28% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Loan quality, meanwhile, shows 0.67% of the book 60+ days past due - the peer group average for Over $500M credit unions sits at 0.874%, so this institution is running tighter than peers. Return on assets stands at 0.15% on net income of $3.3M 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 0.50%. These figures come from the 2025Q4 NCUA 5300 Call Report, filed on a quarterly cadence. The stated field of membership (currently: Other) governs who can join. Before opening an account or borrowing, see our disclaimer for NCUSIF deposit-insurance coverage and how to use this data.
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.
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 Financial Partners financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Financial Partners carries a financial health score of 73/100 (Very Good). On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 6.26% net worth ratio and a 0.67% delinquency rate.
How does Financial Partners compare to other credit unions?
Financial Partners scores 73/100 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 6.26% is relative to 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.
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.