Federal credit union · fontana, California · NCUA charter #5684
Inland Valley
Health score 71/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 71
- Health / 100
- $53.2M
- Total assets
- 3,189
- Members
- 8.7%
- Net-worth ratio
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.
Inland Valley - Five Health Pillars
The five bars below are this credit union's pillar-level 0-100 sub-scores. Sum the weighted pillars and you get the headline health score above - same NCUA 5300 data, no normalisation tricks applied.
- Capital (net worth ratio)89
- Asset quality (delinquency)100
- Earnings (ROA)67
- Member growth0
- Liquidity (loan-to-share)63
Weighted composite: 71/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 8.67%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 8.67% | 30% |
| Delinquency Rate | 0.25% | 25% |
| Return on Assets | 0.17% | 15% |
| Member Growth | -6.07% | 15% |
| Loan-to-Share Ratio | 38.65% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Inland Valley
Headquartered in fontana, California, Inland Valley is a federal credit union with 3,189 members, $53.2M in total assets, and $18.7M in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 71/100 (Very Good), driven in part by a net worth ratio of 8.67% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #5684 and reports within peer group $50M–$100M, a cohort of 584 similarly-sized institutions.
Loan book quality rounds out the picture. The delinquency rate of 0.25% measures loans 60+ days past due against total loans outstanding - the peer group average for $50M–$100M credit unions sits at 0.963%, so this institution is running tighter than peers. The loan-to-share ratio of 38.65% indicates how aggressively member deposits are being deployed into lending, below the 60% band that typically signals under-deployed capital. Return on assets stands at 0.17% on net income of $90K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -6.07%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Community) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.
Nearby Credit Unions in California
Other federally-insured credit unions in California, closest first by peer group and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
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. Above 80 reads excellent, below 50 warrants closer monitoring; a 8.67% 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 8.67% 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.
Read our methodology - how this data is sourced, computed, and verified.
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.