Federal credit union · LOS ANGELES, California · NCUA charter #16954
FOX
Health score 69/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 69
- Health / 100
- $38.5M
- Total assets
- 3,025
- Members
- 9.1%
- Net-worth ratio
FOX scores 69/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $38.5M; members 3,025; net-worth ratio 9.08%; health rank #3,668 of 4,374; healthier than 16th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#3,668 of 4,374 health · 2025Q4FOX · health 69/100 · $38.5M · 2025Q4
- PHOTO 69/100
- BOOK 9.1%
- CHARTER 0.65%
- NCUSIF -0.61%
- CAMELS $38.5M
- HEALTH 3,025
- NW #3,668/4,374
- DELQ New Directions Community
- ROA 16954
Call Report peers
FOX in the assets neighbourhood
FOX's $38.5M assets sit next to New Directions Community ($38.5M) 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.
FOX 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
69 16th percentile higher than 16% 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
FOX - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #16954, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
FOX: Call Report deltas vs peers
- Strongest edge vs 1163 $10M–$50M peers is Loan-to-Share Ratio: +14.42 pp (74.22% vs 59.80%).
- Net Worth Ratio trails the peer set - 9.08% here, 14.86% peer average (-5.78 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
FOX: in-state Call Report ranks
- California health ordinal: #211 of 243.
- California assets place: #196 of 243.
- Member book place in California: #182 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.
FOX Call Report trajectory
FOX: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -0.9% from $38.5M (2025Q4) to $38.1M (2026Q1).
- Net-worth ratio shifted -0.10 pp (9.18% → 9.08%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 9.08%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 69/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 69.
- Net Worth Ratio 27.7 pts
- Delinquency Rate 23.5 pts
- Return on Assets 0.0 pts
- Member Growth 2.7 pts
- Loan-to-Share Ratio 15.1 pts
FOX vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.08% | -5.78 pp |
| Delinquency Rate | 0.65% | -0.49 pp |
| Return on Assets | -0.61% | -1.31 pp |
| Member Growth | -3.48% | - |
| Loan-to-Share Ratio | 74.22% | +14.42 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).
FOX filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $38.1M | - |
| 2025Q4 | $38.5M | 3,025 |
| 2024Q4 | $42.5M | 3,134 |
| 2023Q4 | $47.7M | 3,165 |
Credit Union Details
- Charter Number
- 16954
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- California
- City
- LOS ANGELES
- Data Quarter
- 2025Q4
Branch Locations (5)
FOX operates 5 offices across 4 cities, spanning 2 states, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| 1990 Main (Main Office) | Los Angeles, CA |
| File Keepers | Commerce, CA |
| Studio Branch | Los Angeles, CA |
| VRC | MONTEBELLO, CA |
| NY Office | New York, NY |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in California
Other federally-insured credit unions in California, closest first by peer group and asset size.
Other-state peers near FOX
FOX's nationwide photo peers by assets and by health score, excluding California charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($38.5M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (69/100 here).
Using this data
- FOX ranks #3,668 of 4,374 nationally on financial health and #211 of 243 in CA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Media City is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Media City
- 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 FOX financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, FOX carries a financial health score of 69/100 (Good). On the national health ranking (same basis as /rankings/healthiest), it sits at #3,668 of 4,374; by total assets it ranks #2,639 of 4,374 nationally (same basis as /rankings/largest); and #196 of 243 within California. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 9.08% net worth ratio and a 0.65% delinquency rate.
How does FOX compare to other credit unions?
PlainCU's health composite puts FOX at 69/100, compared to a peer group average for $10M–$50M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), 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 FOX?
FOX operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact FOX directly for the exact boundaries and application steps.
Is my money safe at FOX?
Federal credit unions like FOX 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. FOX's net worth ratio of 9.08% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does FOX offer compared to banks?
Credit unions like FOX 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 FOX 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.