Federal credit union · Santa Clara, California · NCUA charter #13131
Mission City
Health score 85/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 85
- Health / 100
- $159.2M
- Total assets
- 4,482
- Members
- 8.5%
- Net-worth ratio
Mission City scores 85/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $159.2M; members 4,482; net-worth ratio 8.51%; health rank #2,027 of 4,374; healthier than 54th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#2,027 of 4,374 health · 2025Q4Mission City · health 85/100 · $159.2M · 2025Q4
Call Report peers
Mission City in the assets neighbourhood
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Mission City vs every NCUA-scored credit union
Mission City sits in the busiest band, 85-89, alongside 857 other credit unions.
85 Top 46% higher than 54% 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
Mission City vs $100M–$500M peers
- Largest favorable gap: Loan-to-Share Ratio at 84.59% vs peer 72.20% (+12.39 pp).
- Widest shortfall vs peers is Net Worth Ratio: -3.60 pp (8.51% vs 12.11%).
Where Mission City sits in California
- In California, health place is #124 of 243 on the same NCUA-ratio sort used nationally.
- By total assets, Mission City is #131 of 243 in California.
- California membership ordinal: #162 of 243.
- One place up in California, Valley Strong (#123) ties at 85/100; one place down, Sunkist Employees (#125) scores 84/100, 1 point lower.
Quarter path for Mission City
Mission City: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.2% from $159.2M (2025Q4) to $164.3M (2026Q1).
- Net-worth ratio shifted -0.12 pp (8.63% → 8.51%).
8.51% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 85/100 score is built
Mission City gives up 15 points in total. Return on Assets costs the most, 9.5 of its 15; Loan-to-Share Ratio scores full marks.
- Net Worth Ratio 26.3 pts
- Delinquency Rate 24.6 pts
- Return on Assets 5.5 pts
- Member Growth 13.8 pts
- Loan-to-Share Ratio 14.8 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.51% | -3.60 pp |
| Delinquency Rate | 0.54% | -0.36 pp |
| Return on Assets | 0.02% | -0.60 pp |
| Member Growth | 4.01% | - |
| Loan-to-Share Ratio | 84.59% | +12.39 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Mission City quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $164.3M | - |
| 2025Q4 | $159.2M | 4,482 |
| 2024Q4 | $154.8M | 4,309 |
| 2023Q4 | $157.7M | 4,226 |
Credit Union Details
- Charter Number
- 13131
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- California
- City
- Santa Clara
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for Mission City.
| Office | City |
|---|---|
| Main Branch 1 (Main Office) | Santa Clara, CA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in California
More federally-insured credit unions based in California, ordered by peer group match and asset size.
Cross-state Call Report peers for Mission City
Using this data
- Mission City ranks #2,027 of 4,374 nationally on financial health and #124 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 Mission City financially healthy?
Mission City has a financial health score of 85/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,027 of 4,374 nationally on health and #124 of 243 in California. Its net worth ratio is 8.51% and its delinquency rate 0.54%.
How does Mission City compare to other credit unions?
Mission City scores 85/100, higher than 54% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (84.59% vs 72.20%). Its widest shortfall is net worth ratio (8.51% vs 12.11%).
How can I join Mission City?
Mission City 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 Mission City directly for the exact boundaries and application steps.
Is my money safe at Mission City?
Mission City 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. Mission City's net worth ratio of 8.51% 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.