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
Call Report peers
KINGS in the assets neighbourhood
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KINGS vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); KINGS sits in 90-94 with 747 others.
92 Top 20% higher than 80% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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%).
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.
- One place up in California, CAHP (#48) scores 93/100, 1 point higher; one place down, SCHOOLS (#50) ties at 92/100.
Quarter path for KINGS
KINGS: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.6% from $161.9M (2025Q4) to $162.9M (2026Q1).
- Net-worth ratio shifted +0.14 pp (15.50% → 15.64%).
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
KINGS gives up 8 points in total. Member Growth costs the most, 6.2 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- 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 |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is KINGS financially healthy?
On its 2025Q4 NCUA 5300 filing, KINGS scores 92/100 (Excellent), with a 15.64% net worth ratio and 0.41% of loans delinquent. It ranks #746 of 4,374 nationally on health and #49 of 243 in California.
How does KINGS compare to other credit unions?
KINGS scores 92/100, higher than 80% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is net worth ratio (15.64% vs 12.11%). Its widest shortfall is loan-to-share ratio (63.93% vs 72.20%).
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?
KINGS 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. KINGS's net worth ratio of 15.64% 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.