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
Call Report peers
Financial Partners in the assets neighbourhood
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Financial Partners vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Financial Partners sits in 80-84 with 767 others.
83 46th percentile higher than 46% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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).
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).
- One place up in California, La Loma (#140) ties at 83/100; one place down, WHEELHOUSE (#142) ties at 83/100.
Quarter path for Financial Partners
Financial Partners: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.4% from $2.24B (2025Q4) to $2.25B (2026Q1).
- Net-worth ratio shifted +0.15 pp (8.88% → 9.03%).
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
Financial Partners gives up 17 points in total. Member Growth costs the most, 5.4 of its 15; Delinquency Rate loses the least, 1.7.
- 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 |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is Financial Partners financially healthy?
Financial Partners has a financial health score of 83/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,342 of 4,374 nationally on health and #141 of 243 in California. Its net worth ratio is 9.03% and its delinquency rate 0.67%.
How does Financial Partners compare to other credit unions?
Financial Partners scores 83/100, higher than 46% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (94.28% vs 83.90%). Its widest shortfall is net worth ratio (9.03% vs 11.18%).
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?
Financial Partners is a state-chartered credit union; its shares are federally 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."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.