Federal credit union · Fontana, California · NCUA charter #12898
FONTANA
Health score 65/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 65
- Health / 100
- $16.5M
- Total assets
- 1,416
- Members
- 8.7%
- Net-worth ratio
FONTANA scores 65/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $16.5M; members 1,416; net-worth ratio 8.72%; health rank #3,888 of 4,374; healthier than 11th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#3,888 of 4,374 health · 2025Q4FONTANA · health 65/100 · $16.5M · 2025Q4
- RANK 65/100
- PHOTO 8.7%
- BOOK 1.46%
- CHARTER 0.04%
- NCUSIF $16.5M
- CAMELS 1,416
- HEALTH #3,888/4,374
- NW HEMA
- DELQ 12898
Call Report peers
FONTANA in the assets neighbourhood
FONTANA's $16.5M assets sit next to HEMA ($16.5M) 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.
FONTANA 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
65 11th percentile higher than 11% 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
FONTANA - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #12898. See our deposit-insurance coverage note.
Where FONTANA diverges from peer averages
- Largest lag: Loan-to-Share Ratio at 46.36% vs peer 59.80% (-13.44 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
FONTANA in California
- In California, health place is #224 of 243 on the same NCUA-ratio sort used nationally.
- California assets place: #216 of 243.
- Member book place in California: #217 of 243.
In-state ordinals use the live credit_unions table for CA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
FONTANA: 2025Q4 → 2026Q1
FONTANA: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +4.5% from $16.5M (2025Q4) to $17.2M (2026Q1).
- Net-worth ratio shifted -0.37 pp (9.09% → 8.72%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
8.72% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 65/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 65.
- Net Worth Ratio 26.8 pts
- Delinquency Rate 16.5 pts
- Return on Assets 6.1 pts
- Member Growth 5.9 pts
- Loan-to-Share Ratio 9.7 pts
Call Report ratios for FONTANA
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.72% | -6.14 pp |
| Delinquency Rate | 1.46% | +0.32 pp |
| Return on Assets | 0.04% | -0.67 pp |
| Member Growth | -1.73% | - |
| Loan-to-Share Ratio | 46.36% | -13.44 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
FONTANA quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $17.2M | - |
| 2025Q4 | $16.5M | 1,416 |
| 2024Q4 | $16.5M | 1,441 |
| 2023Q4 | $16.9M | 1,417 |
Credit Union Details
- Charter Number
- 12898
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- $10M–$50M
- State
- California
- City
- Fontana
- Data Quarter
- 2025Q4
Branch Locations (3)
Per its most recent NCUA branch filing, FONTANA runs 3 offices in 3 different cities across 2 states.
| Office | City |
|---|---|
| Fontana Federal Credit Union (Main Office) | Fontana, CA |
| DOCU-TRUST | San Bernardino, CA |
| Data Systems of Texas | Waco, TX |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in California
More federally-insured credit unions based in California, ordered by peer group match and asset size.
Other-state peers near FONTANA
FONTANA's nationwide photo peers by assets and by health score, excluding California charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($16.5M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (65/100 here).
Using this data
- FONTANA ranks #3,888 of 4,374 nationally on financial health and #224 of 243 in CA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Beverly Hills City Employees is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Beverly Hills City Employees
- 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 FONTANA financially healthy?
FONTANA scores 65/100 (Good) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,888 of 4,374; by total assets it ranks #3,270 of 4,374 nationally (same basis as /rankings/largest); and #216 of 243 within California. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 8.72% net worth ratio and a 1.46% delinquency rate.
How does FONTANA compare to other credit unions?
Five weighted metrics from NCUA filings produce FONTANA's 65/100 score on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 FONTANA?
FONTANA serves multiple common-bond groups, membership usually requires belonging to one of several qualifying employers, associations, or organizations the credit union has chartered to serve. Contact FONTANA directly for the current list of qualifying groups.
Is my money safe at FONTANA?
Federal credit unions like FONTANA 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. FONTANA's net worth ratio of 8.72% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does FONTANA offer compared to banks?
Credit unions like FONTANA 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 FONTANA 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.