Federal credit union · Manhattan Beach, California · NCUA charter #4142
KINECTA
Health score 76/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 76
- Health / 100
- $6.52B
- Total assets
- 231,113
- Members
- 9.0%
- Net-worth ratio
KINECTA scores 76/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $6.52B; members 231,113; net-worth ratio 9.04%; health rank #3,210 of 4,374; healthier than 26th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#3,210 of 4,374 health · 2025Q4KINECTA · health 76/100 · $6.52B · 2025Q4
Call Report peers
KINECTA in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
KINECTA vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); KINECTA sits in 75-79 with 502 others.
76 26th percentile higher than 26% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
KINECTA: Call Report deltas vs peers
- Loan-to-Share Ratio leads the peer set - 92.89% here, 83.90% peer average (+8.99 pp).
- Widest shortfall vs peers is Net Worth Ratio: -2.14 pp (9.04% vs 11.18%).
California standing for KINECTA
- In California, health place is #186 of 243 on the same NCUA-ratio sort used nationally.
- California assets place: #10 of 243.
- Member book place in California: #14 of 243.
- One place up in California, AEROSPACE (#185) ties at 76/100; one place down, MONTEREY (#187) ties at 76/100.
Quarter path for KINECTA
KINECTA: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -1.2% from $6.52B (2025Q4) to $6.44B (2026Q1).
- Net-worth ratio shifted +0.19 pp (8.85% → 9.04%).
This credit union's 9.04% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 76/100 score is built
KINECTA gives up 24 points in total. Member Growth costs the most, 15 of its 15; Delinquency Rate scores full marks.
- Net Worth Ratio 27.6 pts
- Delinquency Rate 25.0 pts
- Return on Assets 9.4 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 14.0 pts
KINECTA health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.04% | -2.14 pp |
| Delinquency Rate | 0.42% | -0.45 pp |
| Return on Assets | 0.13% | -0.38 pp |
| Member Growth | -7.83% | - |
| Loan-to-Share Ratio | 92.89% | +8.99 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
Call Report history - KINECTA
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $6.44B | - |
| 2025Q4 | $6.52B | 231,113 |
| 2024Q4 | $6.66B | 250,752 |
| 2023Q4 | $6.84B | 260,785 |
Credit Union Details
- Charter Number
- 4142
- Type
- Federal
- Field of Membership
- Select Employee Group
- Peer Group
- Over $500M
- State
- California
- City
- Manhattan Beach
- Data Quarter
- 2025Q4
Branch Locations (25)
Per its most recent NCUA branch filing, KINECTA runs 25 offices in 20 different cities across 2 states.
| Office | City |
|---|---|
| Kinecta Federal Credit Union (Main Office) | Manhattan Beach, CA |
| Brea | Brea, CA |
| Operations Center | El Segundo, CA |
| El Segundo | El Segundo, CA |
| Fountain Valley | Fountain Valley, CA |
| Gardena | Gardena, CA |
| Goleta | Goleta, CA |
| Hawthorne | Hawthorne, CA |
| Huntington Beach | Huntington Beach, CA |
| Lakewood | Lakewood, CA |
| Watts | Los Angeles, CA |
| Kinecta Federal Credit Union | Manhattan Beach, CA |
| Manhattan Beach Blvd | Manhattan Beach, CA |
| Redondo Beach | Redondo Beach, CA |
| Henrietta | Rochester, NY |
| Greece | Rochester, NY |
| Palos Verdes | Rolling Hills Estates, CA |
| Santa Monica | Santa Monica, CA |
| Thousand Oaks | Thousand Oaks, CA |
| Torrance SkyPark | Torrance, CA |
| Torrance-PCH | Torrance, CA |
| Tustin | Tustin, CA |
| Webster Main Branch | Webster, NY |
| Westchester | Westchester, CA |
| Warner Center | Woodland Hills, 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.
KINECTA nationwide neighbourhoods
Using this data
- KINECTA ranks #3,210 of 4,374 nationally on financial health and #186 of 243 in CA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Wescom Central is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Wescom Central
Frequently Asked Questions
Is KINECTA financially healthy?
On its 2025Q4 NCUA 5300 filing, KINECTA scores 76/100 (Very Good), with a 9.04% net worth ratio and 0.42% of loans delinquent. It ranks #3,210 of 4,374 nationally on health and #186 of 243 in California.
How does KINECTA compare to other credit unions?
KINECTA scores 76/100, higher than 26% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (92.89% vs 83.90%). Its widest shortfall is net worth ratio (9.04% vs 11.18%).
How can I join KINECTA?
KINECTA serves multiple common-bond groups, membership usually requires belonging to one of several qualifying employers, associations, or organizations the credit union has chartered to serve. Contact KINECTA directly for the current list of qualifying groups.
Is my money safe at KINECTA?
KINECTA 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. KINECTA's net worth ratio of 9.04% 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.