Federal credit union · Santa Ana, California · NCUA charter #24981
Orange County's
Health score 84/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 84
- Health / 100
- $2.97B
- Total assets
- 144,117
- Members
- 10.3%
- Net-worth ratio
Orange County's scores 84/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $2.97B; members 144,117; net-worth ratio 10.29%; health rank #2,153 of 4,374; healthier than 50th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#2,153 of 4,374 health · 2025Q4Orange County's · health 84/100 · $2.97B · 2025Q4
- ASSETS 84/100
- MEM 10.3%
- RANK 0.64%
- PHOTO 0.00%
- BOOK $2.97B
- CHARTER 144,117
- NCUSIF #2,153/4,374
- CAMELS First Community
- HEALTH 24981
Call Report peers
Orange County's in the assets neighbourhood
Orange County's's $2.97B assets sit next to First Community ($2.98B) 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.
Orange County's 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
84 Top 50% higher than 50% 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
Orange County's - Share Insurance Coverage
Charter #24981's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Peer-gap read for Orange County's
- Loan-to-Share Ratio leads the peer set - 93.82% here, 83.90% peer average (+9.92 pp).
- Widest shortfall vs peers is Net Worth Ratio: -0.89 pp (10.29% vs 11.18%).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
California standing for Orange County's
- California health ordinal: #130 of 243.
- California assets place: #26 of 243.
- Membership ranks #24 of 243 among California CUs with a reported count (144,117 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.
How Orange County's's 5300 filing moved
- Assets moved +3.5% from $2.97B (2025Q4) to $3.07B (2026Q1).
- Net-worth ratio shifted -0.09 pp (10.38% → 10.29%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 10.29%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 84/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 84.
- Net Worth Ratio 35.3 pts
- Delinquency Rate 27.8 pts
- Return on Assets 5.3 pts
- Loan-to-Share Ratio 15.6 pts
Orange County's health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.29% | -0.89 pp |
| Delinquency Rate | 0.64% | -0.24 pp |
| Return on Assets | 0.00% | -0.51 pp |
| Member Growth | N/A | - |
| Loan-to-Share Ratio | 93.82% | +9.92 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Orange County's filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $3.07B | - |
| 2025Q4 | $2.97B | 144,117 |
Credit Union Details
- Charter Number
- 24981
- Type
- Federal
- Field of Membership
- Other/Community
- Peer Group
- Over $500M
- State
- California
- City
- Santa Ana
- Data Quarter
- 2025Q4
Branch Locations (12)
Orange County's operates 12 offices across 10 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Orange County's CU (Main Office) | Santa Ana, CA |
| Orange County's CU | Anaheim, CA |
| Orange County's CU | Chino, CA |
| Orange County's CU | Fullerton, CA |
| Orange County's CU | Huntington Beach, CA |
| Orange County's CU | Irvine, CA |
| Orange County's CU | Lake Forest, CA |
| Orange County's CU | Long Beach, CA |
| Orange County's CU | Mission Viejo, CA |
| Orange County's CU | Santa Ana, CA |
| Orange County's CU | Santa Ana, CA |
| Orange County's CU | Yorba Linda, CA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in California
A look at other California credit unions, ranked by how closely their peer group and asset size match this one.
Orange County's nationwide neighbourhoods
Orange County's's nationwide photo peers by assets and by health score, excluding California charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($2.97B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (84/100 here).
Using this data
- Orange County's ranks #2,153 of 4,374 nationally on financial health and #130 of 243 in CA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- F & a is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with F & a
- 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 Orange County's financially healthy?
Orange County's has a financial health score of 84/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,153 of 4,374; by total assets it ranks #169 of 4,374 nationally (same basis as /rankings/largest); and #26 of 243 within California. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 10.29% and delinquency rate of 0.64%.
How does Orange County's compare to other credit unions?
On PlainCU's health composite, Orange County's lands at 84/100, compared to a peer group average for Over $500M 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 Orange County's?
Orange County's 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 Orange County's directly for the exact boundaries and application steps.
Is my money safe at Orange County's?
Federal credit unions like Orange County's 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. Orange County's's net worth ratio of 10.29% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Orange County's offer compared to banks?
Credit unions like Orange County's 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 Orange County's 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.