Federal credit union · Pasadena, California · NCUA charter #594
PASADENA
Health score 88/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 88
- Health / 100
- $380.0M
- Total assets
- 25,236
- Members
- 10.9%
- Net-worth ratio
PASADENA scores 88/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $380.0M; members 25,236; net-worth ratio 10.88%; health rank #1,480 of 4,374; healthier than 65th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#1,480 of 4,374 health · 2025Q4PASADENA · health 88/100 · $380.0M · 2025Q4
- DELQ 88/100
- ROA 10.9%
- ASSETS 0.70%
- MEM 0.25%
- RANK $380.0M
- PHOTO 25,236
- BOOK #1,480/4,374
- CHARTER WEPCO
- NCUSIF 594
Call Report peers
PASADENA in the assets neighbourhood
PASADENA's $380.0M assets sit next to WEPCO ($380.3M) 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.
PASADENA 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
88 Top 35% higher than 65% 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
PASADENA - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #594, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
PASADENA vs $100M–$500M peers
- Strongest edge vs 1069 $100M–$500M peers is Delinquency Rate: -0.20 pp (0.70% vs 0.89%).
- Widest shortfall vs peers is Loan-to-Share Ratio: -10.39 pp (61.81% vs 72.20%).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
PASADENA: in-state Call Report ranks
- In California, health place is #92 of 243 on the same NCUA-ratio sort used nationally.
- By total assets, PASADENA is #99 of 243 in California.
- Member book place in California: #91 of 243.
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 PASADENA
PASADENA: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.4% from $380.0M (2025Q4) to $381.3M (2026Q1).
- Net-worth ratio shifted +0.22 pp (10.66% → 10.88%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
10.88% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 88/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 88.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 23.0 pts
- Return on Assets 11.2 pts
- Member Growth 10.3 pts
- Loan-to-Share Ratio 13.5 pts
Call Report ratios for PASADENA
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.88% | -1.23 pp |
| Delinquency Rate | 0.70% | -0.20 pp |
| Return on Assets | 0.25% | -0.37 pp |
| Member Growth | 1.10% | - |
| Loan-to-Share Ratio | 61.81% | -10.39 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $381.3M | - |
| 2025Q4 | $380.0M | 25,236 |
| 2024Q4 | $351.5M | 24,962 |
| 2023Q4 | $270.9M | 14,009 |
Credit Union Details
- Charter Number
- 594
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- California
- City
- Pasadena
- Data Quarter
- 2025Q4
Branch Locations (5)
PASADENA operates 5 offices across 2 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Pasadena Federal Credit Union (Main Office) | Pasadena, CA |
| Bell Gardens Branch Office | Bell Gardens, CA |
| Lake Branch Office | Pasadena, CA |
| Mustang Branch Office | Pasadena, CA |
| Rosemead Branch Office | Pasadena, 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.
PASADENA nationwide neighbourhoods
PASADENA's nationwide photo peers by assets and by health score, excluding California charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($380.0M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (88/100 here).
Using this data
- PASADENA ranks #1,480 of 4,374 nationally on financial health and #92 of 243 in CA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Sea West Coast Guard is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Sea West Coast Guard
- 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 PASADENA financially healthy?
Yes/no aside, the number is 88/100 (Excellent) - PASADENA's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,480 of 4,374; by total assets it ranks #899 of 4,374 nationally (same basis as /rankings/largest); and #99 of 243 within California. Above 80 reads excellent, below 50 warrants closer monitoring; a 10.88% net worth ratio and 0.70% delinquency rate are the key drivers.
How does PASADENA compare to other credit unions?
PASADENA scores 88/100 on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (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 PASADENA?
PASADENA 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 PASADENA directly for the exact boundaries and application steps.
Is my money safe at PASADENA?
Federal credit unions like PASADENA 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. PASADENA's net worth ratio of 10.88% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does PASADENA offer compared to banks?
Credit unions like PASADENA 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 PASADENA 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.