Federal credit union · Torrance, California · NCUA charter #17623
HONDA
Health score 77/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 77
- Health / 100
- $1.17B
- Total assets
- 60,912
- Members
- 9.2%
- Net-worth ratio
HONDA scores 77/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.17B; members 60,912; net-worth ratio 9.15%; health rank #3,127 of 4,374; healthier than 28th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#3,127 of 4,374 health · 2025Q4HONDA · health 77/100 · $1.17B · 2025Q4
Call Report peers
HONDA in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
HONDA vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); HONDA sits in 75-79 with 502 others.
77 28th percentile higher than 28% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Where HONDA diverges from peer averages
- Loan-to-Share Ratio leads the peer set - 90.38% here, 83.90% peer average (+6.48 pp).
- Net Worth Ratio trails the peer set - 9.15% here, 11.18% peer average (-2.03 pp).
California standing for HONDA
- Health composite ranks #179 of 243 among scored California credit unions.
- By total assets, HONDA is #60 of 243 in California.
- California membership ordinal: #55 of 243.
- One place up in California, Bay Cities (#178) ties at 77/100; one place down, ESPEECO (#180) ties at 77/100.
HONDA: 2025Q4 → 2026Q1
HONDA: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.0% from $1.17B (2025Q4) to $1.20B (2026Q1).
- Net-worth ratio shifted -0.15 pp (9.30% → 9.15%).
9.15% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 77/100 score is built
HONDA gives up 23 points in total. Member Growth costs the most, 10.7 of its 15; Delinquency Rate scores full marks.
- Net Worth Ratio 27.9 pts
- Delinquency Rate 25.0 pts
- Return on Assets 4.7 pts
- Member Growth 4.3 pts
- Loan-to-Share Ratio 15.1 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.15% | -2.03 pp |
| Delinquency Rate | 0.42% | -0.45 pp |
| Return on Assets | 0.00% | -0.50 pp |
| Member Growth | -2.63% | - |
| Loan-to-Share Ratio | 90.38% | +6.48 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.20B | - |
| 2025Q4 | $1.17B | 60,912 |
| 2024Q4 | $1.18B | 62,555 |
| 2023Q4 | $1.12B | 75,780 |
Credit Union Details
- Charter Number
- 17623
- Type
- Federal
- Field of Membership
- Select Employee Group
- Peer Group
- Over $500M
- State
- California
- City
- Torrance
- Data Quarter
- 2025Q4
Branch Locations (13)
The NCUA branch filing lists 13 physical offices for HONDA, spread across 11 cities in 6 states.
| Office | City |
|---|---|
| Hamilton Office (Main Office) | Torrance, CA |
| Anna Office | Anna, OH |
| Burlington Office | Burlington, NC |
| East Liberty Office | East Liberty, OH |
| Greensboro | Greensboro, NC |
| Greensburg Office | Greensburg, IN |
| Lincoln Office | Lincoln, AL |
| Marysville Branch | Marysville, OH |
| Marysville Community Office | Marysville, OH |
| Russells Point Office | Russells Point, OH |
| Swepsonville Branch | Swepsonville, NC |
| Timmonsville Office | Timmonsville, SC |
| Torrance Branch | Torrance, 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.
HONDA nationwide neighbourhoods
Using this data
- HONDA ranks #3,127 of 4,374 nationally on financial health and #179 of 243 in CA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- UNIVERSITY is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with UNIVERSITY
Frequently Asked Questions
Is HONDA financially healthy?
On its 2025Q4 NCUA 5300 filing, HONDA scores 77/100 (Very Good), with a 9.15% net worth ratio and 0.42% of loans delinquent. It ranks #3,127 of 4,374 nationally on health and #179 of 243 in California.
How does HONDA compare to other credit unions?
HONDA scores 77/100, higher than 28% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (90.38% vs 83.90%). Its widest shortfall is net worth ratio (9.15% vs 11.18%).
How can I join HONDA?
HONDA 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 HONDA directly for the current list of qualifying groups.
Is my money safe at HONDA?
HONDA 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. HONDA's net worth ratio of 9.15% 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.