Federal credit union · fontana, California · NCUA charter #5684
Inland Valley
Health score 71/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 71
- Health / 100
- $53.2M
- Total assets
- 3,189
- Members
- 8.5%
- Net-worth ratio
Inland Valley scores 71/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $53.2M; members 3,189; net-worth ratio 8.53%; health rank #3,554 of 4,374; healthier than 18th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#3,554 of 4,374 health · 2025Q4Inland Valley · health 71/100 · $53.2M · 2025Q4
- CHARTER 71/100
- NCUSIF 8.5%
- CAMELS 0.25%
- HEALTH 0.17%
- NW $53.2M
- DELQ 3,189
- ROA #3,554/4,374
- ASSETS Hopewell Chemical
- MEM 5684
Call Report peers
Inland Valley in the assets neighbourhood
Inland Valley's $53.2M assets sit next to Hopewell Chemical ($53.3M) 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.
Inland Valley 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
71 18th percentile higher than 18% 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
Inland Valley - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #5684 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Peer-gap read for Inland Valley
- Strongest edge vs 584 $50M–$100M peers is Delinquency Rate: -0.71 pp (0.25% vs 0.96%).
- Largest lag: Loan-to-Share Ratio at 38.65% vs peer 62.60% (-23.95 pp).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Inland Valley sits in California
- California health ordinal: #206 of 243.
- By total assets, Inland Valley is #183 of 243 in California.
- California membership ordinal: #179 of 243.
In-state ordinals use the live credit_unions table for CA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Inland Valley: 2025Q4 → 2026Q1
Inland Valley: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.2% from $53.2M (2025Q4) to $54.3M (2026Q1).
- Net-worth ratio shifted -0.14 pp (8.67% → 8.53%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 8.53%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 71/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 71.
- Net Worth Ratio 26.3 pts
- Delinquency Rate 25.0 pts
- Return on Assets 10.1 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 9.6 pts
Inland Valley health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.53% | -5.09 pp |
| Delinquency Rate | 0.25% | -0.71 pp |
| Return on Assets | 0.17% | -0.49 pp |
| Member Growth | -6.07% | - |
| Loan-to-Share Ratio | 38.65% | -23.95 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Inland Valley filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $54.3M | - |
| 2025Q4 | $53.2M | 3,189 |
| 2024Q4 | $54.2M | 3,395 |
| 2023Q4 | $52.9M | 3,559 |
Credit Union Details
- Charter Number
- 5684
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- California
- City
- fontana
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for Inland Valley.
| Office | City |
|---|---|
| 9389 cherry ave (Main Office) | Fontana, CA |
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.
Inland Valley nationwide neighbourhoods
Inland Valley's nationwide photo peers by assets and by health score, excluding California charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($53.2M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (71/100 here).
Using this data
- Inland Valley ranks #3,554 of 4,374 nationally on financial health and #206 of 243 in CA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Huntington Beach is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Huntington Beach
- 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 Inland Valley financially healthy?
Yes/no aside, the number is 71/100 (Very Good) - Inland Valley's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,554 of 4,374; by total assets it ranks #2,358 of 4,374 nationally (same basis as /rankings/largest); and #183 of 243 within California. Above 80 reads excellent, below 50 warrants closer monitoring; a 8.53% net worth ratio and 0.25% delinquency rate are the key drivers.
How does Inland Valley compare to other credit unions?
PlainCU's health composite puts Inland Valley at 71/100, compared to a peer group average for $50M–$100M 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 Inland Valley?
Inland Valley 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 Valley directly for the exact boundaries and application steps.
Is my money safe at Inland Valley?
Federal credit unions like Inland Valley 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. Inland Valley's net worth ratio of 8.53% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Inland Valley offer compared to banks?
Credit unions like Inland Valley 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 Inland Valley 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.