Federal credit union · ONTARIO, California · NCUA charter #13044
Ontario Public Employees
Health score 83/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 83
- Health / 100
- $23.4M
- Total assets
- 1,796
- Members
- 14.9%
- Net-worth ratio
Ontario Public Employees scores 83/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $23.4M; members 1,796; net-worth ratio 14.92%; health rank #2,235 of 4,374; healthier than 46th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#2,235 of 4,374 health · 2025Q4Ontario Public Employees · health 83/100 · $23.4M · 2025Q4
- CAMELS 83/100
- HEALTH 14.9%
- NW 0.98%
- DELQ 1.69%
- ROA $23.4M
- ASSETS 1,796
- MEM #2,235/4,374
- RANK Stamford Healthcare
- PHOTO 13044
Call Report peers
Ontario Public Employees in the assets neighbourhood
Ontario Public Employees's $23.4M assets sit next to Stamford Healthcare ($23.4M) 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.
Ontario Public Employees 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
83 46th percentile higher than 46% 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
Ontario Public Employees - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #13044 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Ontario Public Employees vs $10M–$50M peers
- Return on Assets leads the peer set - 1.69% here, 0.70% peer average (+0.99 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -6.16 pp (53.64% vs 59.80%).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Ontario Public Employees in California
- In California, health place is #134 of 243 on the same NCUA-ratio sort used nationally.
- By total assets, Ontario Public Employees is #214 of 243 in California.
- Membership ranks #212 of 243 among California CUs with a reported count (1,796 members).
In-state ordinals use the live credit_unions table for CA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for Ontario Public Employees
Ontario Public Employees: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.3% from $23.4M (2025Q4) to $23.4M (2026Q1).
- Net-worth ratio shifted +0.29 pp (14.63% → 14.92%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 14.92% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 83/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 83.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 20.2 pts
- Return on Assets 15.0 pts
- Member Growth 6.8 pts
- Loan-to-Share Ratio 11.0 pts
Call Report ratios for Ontario Public Employees
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 14.92% | +0.06 pp |
| Delinquency Rate | 0.98% | -0.16 pp |
| Return on Assets | 1.69% | +0.99 pp |
| Member Growth | -1.21% | - |
| Loan-to-Share Ratio | 53.64% | -6.16 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $23.4M | - |
| 2025Q4 | $23.4M | 1,796 |
| 2024Q4 | $23.2M | 1,818 |
| 2023Q4 | $24.2M | 1,883 |
Credit Union Details
- Charter Number
- 13044
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- $10M–$50M
- State
- California
- City
- ONTARIO
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, Ontario Public Employees runs one office.
| Office | City |
|---|---|
| OPEFCU (Main Office) | Ontario, 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.
Nationwide credit unions with similar profiles
Two NCUA Call Report peer sets for Ontario Public Employees, both outside California so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($23.4M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (83/100 here).
Using this data
- Ontario Public Employees ranks #2,235 of 4,374 nationally on financial health and #134 of 243 in CA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Employees Choice is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Employees Choice
- 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 Ontario Public Employees financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Ontario Public Employees carries a financial health score of 83/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #2,235 of 4,374; by total assets it ranks #3,046 of 4,374 nationally (same basis as /rankings/largest); and #214 of 243 within California. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 14.92% net worth ratio and a 0.98% delinquency rate.
How does Ontario Public Employees compare to other credit unions?
On PlainCU's health composite, Ontario Public Employees lands at 83/100, compared to a peer group average for $10M–$50M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 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 Ontario Public Employees?
Ontario Public Employees serves multiple common-bond groups, membership usually requires belonging to one of several qualifying employers, associations, or organizations the credit union has chartered to serve. Contact Ontario Public Employees directly for the current list of qualifying groups.
Is my money safe at Ontario Public Employees?
Federal credit unions like Ontario Public Employees 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. Ontario Public Employees's net worth ratio of 14.92% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Ontario Public Employees offer compared to banks?
Credit unions like Ontario Public Employees 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 Ontario Public Employees 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.