Federal credit union · SAN RAFAEL, California · NCUA charter #15659
Marin County
Health score 82/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 82
- Health / 100
- $101.0M
- Total assets
- 4,127
- Members
- 12.0%
- Net-worth ratio
Marin County scores 82/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $101.0M; members 4,127; net-worth ratio 12.02%; health rank #2,439 of 4,374; healthier than 43rd of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#2,439 of 4,374 health · 2025Q4Marin County · health 82/100 · $101.0M · 2025Q4
- CAMELS 82/100
- HEALTH 12.0%
- NW 0.86%
- DELQ 0.98%
- ROA $101.0M
- ASSETS 4,127
- MEM #2,439/4,374
- RANK COMPASS
- PHOTO 15659
Call Report peers
Marin County in the assets neighbourhood
Marin County's $101.0M assets sit next to COMPASS ($101.1M) 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.
Marin County 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
82 43rd percentile higher than 43% 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
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 vs $100M–$500M peers
- Strongest edge vs 1069 $100M–$500M peers is Return on Assets: +0.35 pp (0.98% vs 0.62%).
- Largest lag: Loan-to-Share Ratio at 30.40% vs peer 72.20% (-41.80 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Marin County: in-state Call Report ranks
- California health ordinal: #147 of 243.
- California assets place: #151 of 243.
- Member book place in California: #167 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.
Marin County: 2025Q4 → 2026Q1
Marin County: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.2% from $101.0M (2025Q4) to $102.2M (2026Q1).
- Net-worth ratio shifted +0.04 pp (11.98% → 12.02%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 12.02% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 82/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 82.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 21.4 pts
- Return on Assets 15.0 pts
- Member Growth 7.2 pts
- Loan-to-Share Ratio 8.4 pts
Marin County vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.02% | -0.09 pp |
| Delinquency Rate | 0.86% | -0.03 pp |
| Return on Assets | 0.98% | +0.35 pp |
| Member Growth | -1.01% | - |
| Loan-to-Share Ratio | 30.40% | -41.80 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).
Marin County filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $102.2M | - |
| 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
Branch Location
The NCUA branch filing lists a single physical office for Marin County.
| Office | City |
|---|---|
| Main Office (Main Office) | San Rafael, 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 Marin County
Marin County's nationwide photo peers by assets and by health score, excluding California charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($101.0M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (82/100 here).
Using this data
- Marin County ranks #2,439 of 4,374 nationally on financial health and #147 of 243 in CA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- GLENDALE is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with GLENDALE
- 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 Marin County financially healthy?
A 12.02% net worth ratio and a 0.86% delinquency rate feed into Marin County's financial health score of 82/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,439 of 4,374; by total assets it ranks #1,812 of 4,374 nationally (same basis as /rankings/largest); and #151 of 243 within California. 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 82/100 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 12.02% exceeds 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.
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.