State credit union · Gardena, California · NCUA charter #65059
NIKKEI
Health score 76/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 76
- Health / 100
- $80.2M
- Total assets
- 3,817
- Members
- 14.4%
- Net-worth ratio
NIKKEI scores 76/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $80.2M; members 3,817; net-worth ratio 14.36%; health rank #3,162 of 4,374; healthier than 26th of scored peers.
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NCUA 5300 Call Report Masthead
#3,162 of 4,374 health · 2025Q4NIKKEI · health 76/100 · $80.2M · 2025Q4
Call Report peers
NIKKEI in the assets neighbourhood
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NIKKEI vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); NIKKEI sits in 75-79 with 502 others.
76 26th percentile higher than 26% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
NIKKEI vs $50M–$100M peers
- Strongest edge vs 584 $50M–$100M peers is Loan-to-Share Ratio: +24.41 pp (87.01% vs 62.60%).
- Return on Assets trails the peer set - 0.32% here, 0.66% peer average (-0.34 pp).
California standing for NIKKEI
- In California, health place is #182 of 243 on the same NCUA-ratio sort used nationally.
- Assets rank #163 of 243 inside California ($80.2M reported).
- Member book place in California: #171 of 243.
- One place up in California, U.S.B. Employees (#181) ties at 76/100; one place down, Mckesson & Healthcare Providers (#183) ties at 76/100.
NIKKEI: 2025Q4 → 2026Q1
NIKKEI: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.5% from $80.2M (2025Q4) to $80.6M (2026Q1).
- Net-worth ratio shifted -0.04 pp (14.40% → 14.36%).
This credit union's 14.36% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 76/100 score is built
NIKKEI gives up 24 points in total. Member Growth costs the most, 15 of its 15; Net Worth Ratio and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 18.3 pts
- Return on Assets 12.3 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 15.4 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 14.36% | +0.74 pp |
| Delinquency Rate | 1.22% | +0.26 pp |
| Return on Assets | 0.32% | -0.34 pp |
| Member Growth | -7.78% | - |
| Loan-to-Share Ratio | 87.01% | +24.41 pp |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
Call Report history - NIKKEI
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $80.6M | - |
| 2025Q4 | $80.2M | 3,817 |
| 2024Q4 | $81.8M | 4,139 |
| 2023Q4 | $87.7M | 4,426 |
Credit Union Details
- Charter Number
- 65059
- Type
- State
- Field of Membership
- Other
- Peer Group
- $50M–$100M
- State
- California
- City
- Gardena
- Data Quarter
- 2025Q4
Branch Locations (2)
Per its most recent NCUA branch filing, NIKKEI runs 2 offices in 2 different cities.
| Office | City |
|---|---|
| Nikkei Credit Union - Gardena Branch (Main Office) | Gardena, CA |
| Mabuhay Credit Union - Carson Branch | Carson, 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 NIKKEI
Using this data
- NIKKEI ranks #3,162 of 4,374 nationally on financial health and #182 of 243 in CA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- SONOMA is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with SONOMA
Frequently Asked Questions
Is NIKKEI financially healthy?
On its 2025Q4 NCUA 5300 filing, NIKKEI scores 76/100 (Very Good), with a 14.36% net worth ratio and 1.22% of loans delinquent. It ranks #3,162 of 4,374 nationally on health and #182 of 243 in California.
How does NIKKEI compare to other credit unions?
NIKKEI scores 76/100, higher than 26% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is loan-to-share ratio (87.01% vs 62.60%). Its widest shortfall is return on assets (0.32% vs 0.66%).
How can I join NIKKEI?
Membership eligibility for NIKKEI depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact NIKKEI directly for current membership requirements and application steps.
Is my money safe at NIKKEI?
NIKKEI is a state-chartered 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. NIKKEI's net worth ratio of 14.36% 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.