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
- RANK 99/100
- PHOTO 10.0%
- BOOK 0.60%
- CHARTER 0.71%
- NCUSIF $567.1M
- CAMELS 30,502
- HEALTH #70/4,374
- NW Members Heritage
- DELQ 24916
Call Report peers
I.L.W.U. in the assets neighbourhood
I.L.W.U.'s $567.1M assets sit next to Members Heritage ($564.0M) 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.
I.L.W.U. 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
99 Top 2% higher than 98% 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
I.L.W.U. - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #24916. See our deposit-insurance coverage note.
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).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
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 I.L.W.U.
I.L.W.U.: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +6.1% from $567.1M (2025Q4) to $601.9M (2026Q1).
- Net-worth ratio shifted -0.09 pp (10.07% → 9.98%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 99.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
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
I.L.W.U.'s nationwide photo peers by assets and by health score, excluding California charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($567.1M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (99/100 here).
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
- 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 I.L.W.U. financially healthy?
I.L.W.U. scores 99/100 (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 #70 of 4,374; by total assets it ranks #702 of 4,374 nationally (same basis as /rankings/largest); and #87 of 243 within California. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 9.98% net worth ratio and a 0.60% delinquency rate.
How does I.L.W.U. compare to other credit unions?
PlainCU's health composite puts I.L.W.U. at 99/100, compared to a peer group average for Over $500M 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 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.?
Federal credit unions like I.L.W.U. 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. I.L.W.U.'s net worth ratio of 9.98% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does I.L.W.U. offer compared to banks?
Credit unions like I.L.W.U. 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 I.L.W.U. 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.