Federal credit union · Burbank, California · NCUA charter #3943
GAIN
Health score 81/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 81
- Health / 100
- $442.0M
- Total assets
- 20,404
- Members
- 8.4%
- Net-worth ratio
GAIN scores 81/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $442.0M; members 20,404; net-worth ratio 8.38%; health rank #2,661 of 4,374; healthier than 39th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#2,661 of 4,374 health · 2025Q4GAIN · health 81/100 · $442.0M · 2025Q4
Call Report peers
GAIN in the assets neighbourhood
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GAIN vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); GAIN sits in 80-84 with 767 others.
81 39th percentile higher than 39% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Peer-gap read for GAIN
- Strongest edge vs 1069 $100M–$500M peers is Delinquency Rate: -0.58 pp (0.31% vs 0.89%).
- Widest shortfall vs peers is Loan-to-Share Ratio: -12.44 pp (59.76% vs 72.20%).
California standing for GAIN
- In California, health place is #158 of 243 on the same NCUA-ratio sort used nationally.
- By total assets, GAIN is #90 of 243 in California.
- Membership ranks #100 of 243 among California CUs with a reported count (20,404 members).
- One place up in California, MYPOINT (#157) ties at 81/100; one place down, San Diego Firefighters (#159) ties at 81/100.
GAIN Call Report trajectory
GAIN: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -0.6% from $442.0M (2025Q4) to $439.3M (2026Q1).
- Net-worth ratio shifted +0.07 pp (8.31% → 8.38%).
This credit union's 8.38% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 81/100 score is built
GAIN gives up 19 points in total. Member Growth costs the most, 6.5 of its 15; Delinquency Rate scores full marks.
- Net Worth Ratio 26.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 8.6 pts
- Member Growth 8.5 pts
- Loan-to-Share Ratio 12.9 pts
Call Report ratios for GAIN
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.38% | -3.73 pp |
| Delinquency Rate | 0.31% | -0.58 pp |
| Return on Assets | 0.09% | -0.53 pp |
| Member Growth | -0.30% | - |
| Loan-to-Share Ratio | 59.76% | -12.44 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
GAIN quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $439.3M | - |
| 2025Q4 | $442.0M | 20,404 |
| 2024Q4 | $432.5M | 20,465 |
| 2023Q4 | $439.8M | 20,721 |
Credit Union Details
- Charter Number
- 3943
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- $100M–$500M
- State
- California
- City
- Burbank
- Data Quarter
- 2025Q4
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for GAIN, spread across 2 cities.
| Office | City |
|---|---|
| 1800 W. Magnolia Blvd (Main Office) | Burbank, CA |
| San Fernando | San Fernando, 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.
Cross-state Call Report peers for GAIN
Similar total assets
Using this data
- GAIN ranks #2,661 of 4,374 nationally on financial health and #158 of 243 in CA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- WHEELHOUSE is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with WHEELHOUSE
Frequently Asked Questions
Is GAIN financially healthy?
On its 2025Q4 NCUA 5300 filing, GAIN scores 81/100 (Excellent), with a 8.38% net worth ratio and 0.31% of loans delinquent. It ranks #2,661 of 4,374 nationally on health and #158 of 243 in California.
How does GAIN compare to other credit unions?
GAIN scores 81/100, higher than 39% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is delinquency rate (0.31% vs 0.89%). Its widest shortfall is loan-to-share ratio (59.76% vs 72.20%).
How can I join GAIN?
GAIN 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 GAIN directly for the current list of qualifying groups.
Is my money safe at GAIN?
GAIN is a federal credit union; its shares are federally 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. GAIN's net worth ratio of 8.38% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.