Federal credit union · SAN RAFAEL, California · NCUA charter #15659
Marin County
Health score 56/100 (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 56
- Health / 100
- $101.0M
- Total assets
- 4,127
- Members
- 1.3%
- Net-worth ratio
Marin County - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #15659, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Marin County - Five Health Pillars
The five bars below are this credit union's pillar-level 0-100 sub-scores. Sum the weighted pillars and you get the headline health score above - same NCUA 5300 data, no normalisation tricks applied.
- Capital (net worth ratio)11
- Asset quality (delinquency)86
- Earnings (ROA)100
- Member growth48
- Liquidity (loan-to-share)58
Weighted composite: 56/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This institution's 1.28% net worth ratio sits below the NCUA's 7.0% well-capitalized threshold.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 1.28% | 30% |
| Delinquency Rate | 0.86% | 25% |
| Return on Assets | 0.98% | 15% |
| Member Growth | -1.01% | 15% |
| Loan-to-Share Ratio | 30.40% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $101.0M | 4,127 |
| 2024Q4 | $89.2M | 4,169 |
| 2023Q4 | $92.4M | 4,251 |
Credit Union Details
- Charter Number
- 15659
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- California
- City
- SAN RAFAEL
- Data Quarter
- 2025Q4
What This Data Says About Marin County
The five-factor composite scores Marin County at 56/100 (Fair), reflecting a net worth ratio of 1.28% - relative to the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. This federal credit union, headquartered in SAN RAFAEL, California, reports 4,127 members, $101.0M in total assets, and $27.1M in outstanding loans as of Q4 2025 under charter #15659 (peer group $100M–$500M, a cohort of 1069 similarly-sized institutions).
On loan book quality: 0.86% of loans are 60+ days past due against the total loan book - the peer group average for $100M–$500M credit unions sits at 0.894%, so this institution is running tighter than peers. Meanwhile a 30.40% loan-to-share ratio shows how aggressively member deposits get deployed into lending, below the 60% band that typically signals under-deployed capital. Return on assets stands at 0.98% on net income of $986K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -1.01%. The quarterly NCUA 5300 Call Report is the source for everything above, current through 2025Q4. Field of membership (currently: Community) decides eligibility to join. NCUSIF deposit-insurance coverage and usage guidance for this data live on our disclaimer page.
Nearby Credit Unions in California
Other federally-insured credit unions in California, closest first by peer group and asset size.
Sources & disclaimer
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 Marin County financially healthy?
A 1.28% net worth ratio and a 0.86% delinquency rate feed into Marin County's financial health score of 56/100 (Fair), from NCUA 5300 Call Report data as of Q4 2025. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Marin County compare to other credit unions?
Five weighted metrics from NCUA filings produce Marin County's 56/100 score on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 Marin County?
Marin County operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Marin County directly for the exact boundaries and application steps.
Is my money safe at Marin County?
Federal credit unions like Marin County 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. Marin County's net worth ratio of 1.28% is relative to the 7% threshold NCUA considers "well capitalized."
What rates does Marin County offer compared to banks?
Credit unions like Marin County 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 Marin County 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.
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.