Federal credit union · FRESNO, California · NCUA charter #4163
Fresno Grangers
Health score 90/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 90
- Health / 100
- $26.7M
- Total assets
- 589
- Members
- 23.1%
- Net-worth ratio
Fresno Grangers scores 90/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $26.7M; members 589; net-worth ratio 23.11%; health rank #1,028 of 4,374; healthier than 73rd of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#1,028 of 4,374 health · 2025Q4Fresno Grangers · health 90/100 · $26.7M · 2025Q4
- RANK 90/100
- PHOTO 23.1%
- BOOK 0.00%
- CHARTER 1.06%
- NCUSIF $26.7M
- CAMELS 589
- HEALTH #1,028/4,374
- NW Community Plus
- DELQ 4163
Call Report peers
Fresno Grangers in the assets neighbourhood
Fresno Grangers's $26.7M assets sit next to Community Plus ($26.7M) 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.
Fresno Grangers 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
90 Top 27% higher than 73% 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
Fresno Grangers - Share Insurance Coverage
Charter #4163's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Peer-gap read for Fresno Grangers
- Loan-to-Share Ratio leads the peer set - 74.35% here, 59.80% peer average (+14.55 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
California standing for Fresno Grangers
- In California, health place is #65 of 243 on the same NCUA-ratio sort used nationally.
- Assets rank #210 of 243 inside California ($26.7M reported).
- Member book place in California: #230 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 Fresno Grangers
Fresno Grangers: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.0% from $26.7M (2025Q4) to $27.0M (2026Q1).
- Net-worth ratio shifted +0.20 pp (22.91% → 23.11%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 23.11%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 90/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 90.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 4.8 pts
- Loan-to-Share Ratio 15.2 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 23.11% | +8.25 pp |
| Delinquency Rate | 0.00% | -1.14 pp |
| Return on Assets | 1.06% | +0.35 pp |
| Member Growth | -2.32% | - |
| Loan-to-Share Ratio | 74.35% | +14.55 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).
Fresno Grangers filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $27.0M | - |
| 2025Q4 | $26.7M | 589 |
| 2024Q4 | $27.7M | 603 |
| 2023Q4 | $28.5M | 629 |
Credit Union Details
- Charter Number
- 4163
- Type
- Federal
- Field of Membership
- Other/Community
- Peer Group
- $10M–$50M
- State
- California
- City
- FRESNO
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for Fresno Grangers.
| Office | City |
|---|---|
| Fresno Grangers Federal Credit Union (Main Office) | Fresno, CA |
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 Fresno Grangers
Fresno Grangers's nationwide photo peers by assets and by health score, excluding California charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($26.7M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (90/100 here).
Using this data
- Fresno Grangers ranks #1,028 of 4,374 nationally on financial health and #65 of 243 in CA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- MATTEL is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with MATTEL
- 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 Fresno Grangers financially healthy?
Fresno Grangers scores 90/100 (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 #1,028 of 4,374; by total assets it ranks #2,946 of 4,374 nationally (same basis as /rankings/largest); and #210 of 243 within California. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 23.11% net worth ratio and a 0.00% delinquency rate.
How does Fresno Grangers compare to other credit unions?
90/100 is Fresno Grangers's score on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 Fresno Grangers?
Fresno Grangers 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 Fresno Grangers directly for the exact boundaries and application steps.
Is my money safe at Fresno Grangers?
Federal credit unions like Fresno Grangers 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. Fresno Grangers's net worth ratio of 23.11% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Fresno Grangers offer compared to banks?
Credit unions like Fresno Grangers 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 Fresno Grangers 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.