State credit union · Fountain Valley, California · NCUA charter #64108
Fountain Valley
Health score 81/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 81
- Health / 100
- $2.0M
- Total assets
- 172
- Members
- 23.0%
- Net-worth ratio
Fountain Valley scores 81/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $2.0M; members 172; net-worth ratio 22.96%; health rank #2,517 of 4,374; healthier than 39th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#2,517 of 4,374 health · 2025Q4Fountain Valley · health 81/100 · $2.0M · 2025Q4
- BOOK 81/100
- CHARTER 23.0%
- NCUSIF 0.11%
- CAMELS 0.61%
- HEALTH $2.0M
- NW 172
- DELQ #2,517/4,374
- ROA n/a
- ASSETS 64108
Call Report peers
Fountain Valley carries $2.0M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Fountain Valley 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
81 39th percentile higher than 39% 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
Fountain Valley - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #64108 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Fountain Valley vs Under $2M peers
- Largest favorable gap: Delinquency Rate at 0.11% vs peer 4.48% (-4.37 pp).
- Largest lag: Loan-to-Share Ratio at 43.08% vs peer 52.70% (-9.62 pp).
Peer averages are NCUA 5300 means for the Under $2M cohort (243 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Fountain Valley in California
- Health composite ranks #154 of 243 among scored California credit unions.
- Assets rank #237 of 243 inside California ($2.0M reported).
- Member book place in California: #239 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.
Quarter path for Fountain Valley
Fountain Valley: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.3% from $2.0M (2025Q4) to $2.0M (2026Q1).
- Net-worth ratio shifted -0.39 pp (23.35% → 22.96%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
22.96% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 81/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 81.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 1.0 pts
- Loan-to-Share Ratio 10.0 pts
Call Report ratios for Fountain Valley
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 22.96% | +0.03 pp |
| Delinquency Rate | 0.11% | -4.37 pp |
| Return on Assets | 0.61% | +0.39 pp |
| Member Growth | -4.44% | - |
| Loan-to-Share Ratio | 43.08% | -9.62 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Under $2M (243 CUs).
Fountain Valley filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $2.0M | - |
| 2025Q4 | $2.0M | 172 |
| 2024Q4 | $2.2M | 180 |
| 2023Q4 | $2.3M | 186 |
Credit Union Details
- Charter Number
- 64108
- Type
- State
- Field of Membership
- Other
- Peer Group
- Under $2M
- State
- California
- City
- Fountain Valley
- Data Quarter
- 2025Q4
Branch Location
Fountain Valley operates a single office in Fountain Valley, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Fountain Valley Credit Union (Main Office) | Fountain Valley, 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.
Other-state peers near Fountain Valley
Cross-state asset and health neighbours for Fountain Valley - kept outside California; in-state CUs stay in the Nearby block.
Similar health score
Nearest other-state credit unions by five-factor health composite (81/100 here).
Using this data
- Fountain Valley ranks #2,517 of 4,374 nationally on financial health and #154 of 243 in CA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Maryknoll of L a is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Maryknoll of L a
- 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 Fountain Valley financially healthy?
Fountain Valley scores 81/100 (Excellent) 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 #2,517 of 4,374; by total assets it ranks #4,136 of 4,374 nationally (same basis as /rankings/largest); and #237 of 243 within California. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 22.96% net worth ratio and a 0.11% delinquency rate.
How does Fountain Valley compare to other credit unions?
Five weighted metrics from NCUA filings produce Fountain Valley's 81/100 score on PlainCU's health composite, compared to a peer group average for Under $2M 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 Fountain Valley?
Membership eligibility for Fountain Valley depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Fountain Valley directly for current membership requirements and application steps.
Is my money safe at Fountain Valley?
Federal credit unions like Fountain Valley 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. Fountain Valley's net worth ratio of 22.96% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Fountain Valley offer compared to banks?
Credit unions like Fountain Valley 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 Fountain Valley 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.