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
- ROA 76/100
- ASSETS 9.0%
- MEM 0.42%
- RANK 0.13%
- PHOTO $6.52B
- BOOK 231,113
- CHARTER #3,210/4,374
- NCUSIF GESA
- CAMELS 4142
Call Report peers
KINECTA in the assets neighbourhood
KINECTA's $6.52B assets sit next to GESA ($6.52B) 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.
KINECTA 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
76 26th percentile higher than 26% 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
KINECTA - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #4142. See our deposit-insurance coverage note.
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%).
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 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.
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 KINECTA
KINECTA: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -1.2% from $6.52B (2025Q4) to $6.44B (2026Q1).
- Net-worth ratio shifted +0.19 pp (8.85% → 9.04%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 76.
- 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 |
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).
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
Cross-state asset and health neighbours for KINECTA - kept outside California; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($6.52B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (76/100 here).
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
- 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 KINECTA financially healthy?
KINECTA has a financial health score of 76/100 (Very Good) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,210 of 4,374; by total assets it ranks #57 of 4,374 nationally (same basis as /rankings/largest); and #10 of 243 within California. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 9.04% and delinquency rate of 0.42%.
How does KINECTA compare to other credit unions?
On PlainCU's health composite, KINECTA lands at 76/100, compared to a peer group average for Over $500M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), 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 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?
Federal credit unions like KINECTA 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. KINECTA's net worth ratio of 9.04% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does KINECTA offer compared to banks?
Credit unions like KINECTA 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 KINECTA 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.