Health Score
53/100
PlainCU 5-factor composite (NCUA 5300 Call Report)
Credit Union
LOS ANGELES LEE
Health Score
53/100
Total Assets
$644K
Members
69
Los Angeles, California
2026 data Public-data reference. official source
LOS ANGELES LEE
Open-data reference.
53
Health Score
Fair
Charter #
16570
NCUA-issued institution identifier
Source
NCUA
Quarterly 5300 Call Report — 2025Q4
LOS ANGELES LEE — Share Insurance Coverage
Composite supervisory bracket and risk-based capital are read from the NCUA Call Report. Member shares above $250,000 per ownership category sit outside the federal NCUSIF envelope.
LOS ANGELES LEE — Five Health Pillars
Each pillar is normalised onto a 0-100 scale so the bar lengths are directly comparable.
Health Pillars (0-100)
Net worth ratio vs. NCUA well-capitalized threshold 90.2%
At 13.54%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
$644K
Total Assets
69
Members
$302K
Total Loans
$492K
Total Deposits
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 13.54% | 30% |
| Delinquency Rate | 12.84% | 25% |
| Return on Assets | 0.00% | 15% |
| Member Growth | -8.00% | 15% |
| Loan-to-Share Ratio | 61.43% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Under $2M (243 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $644K | 69 |
| 2024Q4 | $652K | 75 |
| 2023Q4 | $640K | 76 |
Credit Union Details
- Charter Number
- 16570
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- Under $2M
- State
- California
- City
- Los Angeles
- Data Quarter
- 2025Q4
What This Data Says About LOS ANGELES LEE
LOS ANGELES LEE is a federal credit union headquartered in Los Angeles, California, serving 69 members with $644K in total assets and $302K in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 53/100 (Fair), anchored by a net worth ratio of 13.54% — above the 7.0% threshold the NCUA uses to classify a credit union as "well capitalized" under Prompt Corrective Action rules. Charter #16570 operates under peer group Under $2M, a cohort of 243 similarly-sized institutions.
Loan book quality and earnings power round out the picture. The delinquency rate of 12.84% measures loans 60+ days past due against total loans outstanding — the peer group average for Under $2M credit unions sits at 4.477%, so this institution is running looser than peers. Return on assets comes in at 0.00%, reflecting the not-for-profit cooperative model where surplus earnings flow back to members as better rates and lower fees rather than to shareholders. The loan-to-share ratio of 61.43% indicates how aggressively member deposits are being deployed into lending — within the 60–80% range most industry analysts consider optimally balanced between yield and liquidity.
Every deposit account at LOS ANGELES LEE is federally insured by the National Credit Union Share Insurance Fund (NCUSIF) up to $250,000 per depositor, per ownership category — identical coverage to FDIC insurance at banks. Year-over-year membership changed by -8.00%, and the institution reports against the NCUA 5300 Call Report on a quarterly cadence, so the figures above reflect the 2025Q4 reporting period. This page is informational only and is not a recommendation, solicitation, or financial advice; credit union performance can change materially quarter to quarter, membership eligibility depends on the stated field of membership (currently: Multiple Common Bond), and current deposit and loan rates should be verified directly with LOS ANGELES LEE before opening any account or borrowing.
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Related Financial Data
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 LOS ANGELES LEE financially healthy?
LOS ANGELES LEE has a financial health score of 53/100 (Fair) based on NCUA 5300 Call Report data as of Q4 2025. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 13.54% and delinquency rate of 12.84%.
How does LOS ANGELES LEE compare to other credit unions?
LOS ANGELES LEE scores 53/100 on PlainCU's health composite, compared to a peer group average for Under $2M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (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 LOS ANGELES LEE?
Membership eligibility for LOS ANGELES LEE depends on its field of membership — currently: Multiple Common Bond. Credit unions typically require a common bond such as employer, location, or association membership. Contact LOS ANGELES LEE directly for current membership requirements and application steps.
Is my money safe at LOS ANGELES LEE?
Federal credit unions like LOS ANGELES LEE 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. LOS ANGELES LEE's net worth ratio of 13.54% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does LOS ANGELES LEE offer compared to banks?
Credit unions like LOS ANGELES LEE 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 LOS ANGELES LEE 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.