Federal credit union · Hanford, California · NCUA charter #10395
KINGS
Health score 92/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 92
- Health / 100
- $161.9M
- Total assets
- 9,584
- Members
- 15.6%
- Net-worth ratio
KINGS scores 92/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $161.9M; members 9,584; net-worth ratio 15.64%; health rank #746 of 4,374; healthier than 80th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#746 of 4,374 health · 2025Q4KINGS · health 92/100 · $161.9M · 2025Q4
- HEALTH 92/100
- NW 15.6%
- DELQ 0.41%
- ROA 0.89%
- ASSETS $161.9M
- MEM 9,584
- RANK #746/4,374
- PHOTO CENT
- BOOK 10395
Call Report peers
KINGS in the assets neighbourhood
KINGS's $161.9M assets sit next to CENT ($162.0M) 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.
KINGS 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
92 Top 20% higher than 80% 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
KINGS - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #10395, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
KINGS vs $100M–$500M peers
- Net Worth Ratio leads the peer set - 15.64% here, 12.11% peer average (+3.53 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -8.27 pp (63.93% vs 72.20%).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where KINGS sits in California
- In California, health place is #49 of 243 on the same NCUA-ratio sort used nationally.
- Assets rank #129 of 243 inside California ($161.9M reported).
- California membership ordinal: #127 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 KINGS
KINGS: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.6% from $161.9M (2025Q4) to $162.9M (2026Q1).
- Net-worth ratio shifted +0.14 pp (15.50% → 15.64%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 15.64% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 92/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 92.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 8.8 pts
- Loan-to-Share Ratio 13.2 pts
KINGS health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 15.64% | +3.53 pp |
| Delinquency Rate | 0.41% | -0.49 pp |
| Return on Assets | 0.89% | +0.27 pp |
| Member Growth | -0.11% | - |
| Loan-to-Share Ratio | 63.93% | -8.27 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
KINGS filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $162.9M | - |
| 2025Q4 | $161.9M | 9,584 |
| 2024Q4 | $150.9M | 9,595 |
| 2023Q4 | $154.4M | 9,450 |
Credit Union Details
- Charter Number
- 10395
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- $100M–$500M
- State
- California
- City
- Hanford
- Data Quarter
- 2025Q4
Branch Locations (2)
KINGS operates 2 offices in Hanford, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Kings Federal Credit Union (Main Office) | Hanford, CA |
| Kings Federal Credit Union | Hanford, 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.
Cross-state Call Report peers for KINGS
KINGS's nationwide photo peers by assets and by health score, excluding California charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($161.9M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (92/100 here).
Using this data
- KINGS ranks #746 of 4,374 nationally on financial health and #49 of 243 in CA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Torrance Community is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Torrance Community
- 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 KINGS financially healthy?
A 15.64% net worth ratio and a 0.41% delinquency rate feed into KINGS's financial health score of 92/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #746 of 4,374; by total assets it ranks #1,442 of 4,374 nationally (same basis as /rankings/largest); and #129 of 243 within California. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does KINGS compare to other credit unions?
PlainCU's health composite puts KINGS at 92/100, compared to a peer group average for $100M–$500M 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 KINGS?
KINGS 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 KINGS directly for the current list of qualifying groups.
Is my money safe at KINGS?
Federal credit unions like KINGS 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. KINGS's net worth ratio of 15.64% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does KINGS offer compared to banks?
Credit unions like KINGS 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 KINGS 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.