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
Call Report peers
Ontario Public Employees in the assets neighbourhood
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Ontario Public Employees vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Ontario Public Employees sits in 80-84 with 767 others.
83 46th percentile higher than 46% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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%).
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).
- One place up in California, DOWNEY (#133) scores 84/100, 1 point higher; one place down, Lassen County (#135) ties at 83/100.
Quarter path for Ontario Public Employees
Ontario Public Employees: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.3% from $23.4M (2025Q4) to $23.4M (2026Q1).
- Net-worth ratio shifted +0.29 pp (14.63% → 14.92%).
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
Ontario Public Employees gives up 17 points in total. Member Growth costs the most, 8.2 of its 15; Net Worth Ratio and Return on Assets score full marks.
- 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 |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is Ontario Public Employees financially healthy?
Ontario Public Employees has a financial health score of 83/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,235 of 4,374 nationally on health and #134 of 243 in California. Its net worth ratio is 14.92% and its delinquency rate 0.98%.
How does Ontario Public Employees compare to other credit unions?
Ontario Public Employees scores 83/100, higher than 46% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is return on assets (1.69% vs 0.70%). Its widest shortfall is loan-to-share ratio (53.64% vs 59.80%).
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?
Ontario Public Employees 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. Ontario Public Employees's net worth ratio of 14.92% 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.