Federal credit union · La Mesa, California · NCUA charter #14016
INLAND
Health score 59/100, grade D (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 59
- Health / 100
- $14.5M
- Total assets
- 1,243
- Members
- 8.0%
- Net-worth ratio
INLAND scores 59/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $14.5M; members 1,243; net-worth ratio 8.04%; health rank #4,099 of 4,374; healthier than 6th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#4,099 of 4,374 health · 2025Q4INLAND · health 59/100 · $14.5M · 2025Q4
Call Report peers
INLAND in the assets neighbourhood
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INLAND vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); INLAND sits in 55-59 with 115 others.
59 6th percentile higher than 6% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
INLAND: Call Report deltas vs peers
- Largest lag: Net Worth Ratio at 8.04% vs peer 14.86% (-6.82 pp).
INLAND in California
- In California, health place is #235 of 243 on the same NCUA-ratio sort used nationally.
- By total assets, INLAND is #221 of 243 in California.
- California membership ordinal: #220 of 243.
- One place up in California, TECHNICOLOR (#234) scores 60/100, 1 point higher; one place down, Los Angeles Lee (#236) scores 58/100, 1 point lower.
How INLAND's 5300 filing moved
INLAND: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.9% from $14.5M (2025Q4) to $14.8M (2026Q1).
- Net-worth ratio shifted -0.28 pp (8.32% → 8.04%).
At 8.04%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 59/100 score is built
INLAND gives up 41 points in total. Member Growth costs the most, 14.7 of its 15; Loan-to-Share Ratio loses the least, 2.8.
- Net Worth Ratio 25.1 pts
- Delinquency Rate 10.9 pts
- Return on Assets 10.1 pts
- Member Growth 0.3 pts
- Loan-to-Share Ratio 12.6 pts
Call Report ratios for INLAND
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.04% | -6.82 pp |
| Delinquency Rate | 2.25% | +1.11 pp |
| Return on Assets | 0.17% | -0.53 pp |
| Member Growth | -4.82% | - |
| Loan-to-Share Ratio | 57.38% | -2.42 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
INLAND quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $14.8M | - |
| 2025Q4 | $14.5M | 1,243 |
| 2024Q4 | $15.2M | 1,306 |
| 2023Q4 | $15.6M | 1,389 |
Credit Union Details
- Charter Number
- 14016
- Type
- Federal
- Field of Membership
- Community/Select Employee Group
- Peer Group
- $10M–$50M
- State
- California
- City
- La Mesa
- Data Quarter
- 2025Q4
Branch Locations (3)
INLAND operates 3 offices across 3 cities, spanning 2 states, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Main Office (Main Office) | La Mesa, CA |
| Employees Choice Federal Credit Union | El Cajon, CA |
| Fiserv - Portico | Salt Lake City, UT |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in California
Other federally-insured credit unions in California, closest first by peer group and asset size.
Nationwide credit unions with similar profiles
Similar total assets
Using this data
- INLAND ranks #4,099 of 4,374 nationally on financial health and #235 of 243 in CA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- United Association is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with United Association
Frequently Asked Questions
Is INLAND financially healthy?
INLAND has a financial health score of 59/100 (Fair) from its 2025Q4 NCUA 5300 Call Report. It ranks #4,099 of 4,374 nationally on health and #235 of 243 in California. Its net worth ratio is 8.04% and its delinquency rate 2.25%.
How does INLAND compare to other credit unions?
INLAND scores 59/100, higher than 6% of the 4,374 scored credit unions. Its widest shortfall is net worth ratio (8.04% vs 14.86%).
How can I join INLAND?
INLAND 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 INLAND directly for the exact boundaries and application steps.
Is my money safe at INLAND?
INLAND 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. INLAND's net worth ratio of 8.04% 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.