State credit union · Fountain Valley, California · NCUA charter #64108
Fountain Valley
Health score 81/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 81
- Health / 100
- $2.0M
- Total assets
- 172
- Members
- 23.4%
- Net-worth ratio
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 - Five Health Pillars
Every bar shows this credit union's 0-100 sub-score for one pillar of the composite; weight and add the five and you land on the headline health score above, drawn from the same NCUA 5300 figures with no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)100
- Earnings (ROA)100
- Member growth7
- Liquidity (loan-to-share)66
Weighted composite: 81/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
23.35% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 23.35% | 30% |
| Delinquency Rate | 0.11% | 25% |
| Return on Assets | 0.61% | 15% |
| Member Growth | -4.44% | 15% |
| Loan-to-Share Ratio | 43.08% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Under $2M (243 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Fountain Valley
Charter #64108, peer group Under $2M, a cohort of 243 similarly-sized institutions: that's Fountain Valley, a state credit union in Fountain Valley, California with 172 members, $2.0M in total assets, and $644K in outstanding loans as of Q4 2025. The five-factor composite scores it 81/100 (Excellent), helped by a net worth ratio of 23.35% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules.
Two more numbers round out the picture: a 0.11% delinquency rate (loans 60+ days past due against the total book) - the peer group average for Under $2M credit unions sits at 4.477%, so this institution is running tighter than peers - and a 43.08% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Return on assets stands at 0.61% on net income of $12K 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 -4.44%. The institution reports against the NCUA 5300 Call Report on a quarterly cadence; the figures above reflect the 2025Q4 reporting period. Membership eligibility depends on the stated field of membership (currently: Other). See our disclaimer for NCUSIF deposit-insurance coverage and how to use this data before opening any account or borrowing.
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 Fountain Valley financially healthy?
Fountain Valley scores 81/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 23.35% 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 23.35% 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.
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.