Federal credit union · Long Beach, California · NCUA charter #24916
I.L.W.U.
Health score 99/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 99
- Health / 100
- $567.1M
- Total assets
- 30,502
- Members
- 10.0%
- Net-worth ratio
I.L.W.U. scores 99/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $567.1M; members 30,502; net-worth ratio 9.98%; health rank #70 of 4,374; healthier than 98th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#70 of 4,374 health · 2025Q4I.L.W.U. · health 99/100 · $567.1M · 2025Q4
Call Report peers
I.L.W.U. in the assets neighbourhood
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I.L.W.U. vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); I.L.W.U. sits in 95-99 with 391 others.
99 Top 2% higher than 98% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
I.L.W.U. vs Over $500M peers
- Largest favorable gap: Delinquency Rate at 0.60% vs peer 0.87% (-0.28 pp).
- Largest lag: Loan-to-Share Ratio at 78.21% vs peer 83.90% (-5.69 pp).
California standing for I.L.W.U.
- California health ordinal: #7 of 243.
- By total assets, I.L.W.U. is #87 of 243 in California.
- Membership ranks #84 of 243 among California CUs with a reported count (30,502 members).
- One place up in California, ALTURA (#6) ties at 99/100; one place down, BAY (#8) ties at 99/100.
Quarter path for I.L.W.U.
I.L.W.U.: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +6.1% from $567.1M (2025Q4) to $601.9M (2026Q1).
- Net-worth ratio shifted -0.09 pp (10.07% → 9.98%).
This credit union's 9.98% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 99/100 score is built
I.L.W.U. gives up 1 points in total. Delinquency Rate costs the most, 1 of its 25; Return on Assets and Member Growth and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 24.0 pts
- Return on Assets 15.0 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 15.0 pts
Call Report ratios for I.L.W.U.
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.98% | -1.20 pp |
| Delinquency Rate | 0.60% | -0.28 pp |
| Return on Assets | 0.71% | +0.20 pp |
| Member Growth | 10.78% | - |
| Loan-to-Share Ratio | 78.21% | -5.69 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
I.L.W.U. filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $601.9M | - |
| 2025Q4 | $567.1M | 30,502 |
| 2024Q4 | $502.0M | 27,535 |
| 2023Q4 | $478.5M | 26,425 |
Credit Union Details
- Charter Number
- 24916
- Type
- Federal
- Field of Membership
- Other/Community
- Peer Group
- Over $500M
- State
- California
- City
- Long Beach
- Data Quarter
- 2025Q4
Branch Locations (7)
The NCUA branch filing lists 7 physical offices for I.L.W.U., spread across 7 cities in 3 states.
| Office | City |
|---|---|
| Long Beach (Main Office) | Long Beach, CA |
| Hawaii | Honolulu, HI |
| Oakland Branch | Oakland, CA |
| Portland | Portland, OR |
| Balma | San Francisco, CA |
| San Pedro Branch | San Pedro, CA |
| Wilmington Branch | Wilmington, 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.
Nationwide credit unions with similar profiles
Using this data
- I.L.W.U. ranks #70 of 4,374 nationally on financial health and #7 of 243 in CA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- CABRILLO is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with CABRILLO
Frequently Asked Questions
Is I.L.W.U. financially healthy?
On its 2025Q4 NCUA 5300 filing, I.L.W.U. scores 99/100 (Excellent), with a 9.98% net worth ratio and 0.60% of loans delinquent. It ranks #70 of 4,374 nationally on health and #7 of 243 in California.
How does I.L.W.U. compare to other credit unions?
I.L.W.U. scores 99/100, higher than 98% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is delinquency rate (0.60% vs 0.87%). Its widest shortfall is loan-to-share ratio (78.21% vs 83.90%).
How can I join I.L.W.U.?
I.L.W.U. 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 I.L.W.U. directly for the exact boundaries and application steps.
Is my money safe at I.L.W.U.?
I.L.W.U. 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. I.L.W.U.'s net worth ratio of 9.98% 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.