Federal credit union · LOS ANGELES, California · NCUA charter #19739
POLAM
Health score 70/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 70
- Health / 100
- $73.9M
- Total assets
- 2,109
- Members
- 10.1%
- Net-worth ratio
POLAM scores 70/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $73.9M; members 2,109; net-worth ratio 10.09%; health rank #3,604 of 4,374; healthier than 17th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#3,604 of 4,374 health · 2025Q4POLAM · health 70/100 · $73.9M · 2025Q4
- ROA 70/100
- ASSETS 10.1%
- MEM 1.27%
- RANK -0.26%
- PHOTO $73.9M
- BOOK 2,109
- CHARTER #3,604/4,374
- NCUSIF Cleveland-Bradley Cty Teacher
- CAMELS 19739
Call Report peers
POLAM in the assets neighbourhood
POLAM's $73.9M assets sit next to Cleveland-Bradley Cty Teacher ($73.9M) 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.
POLAM 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
70 17th percentile higher than 17% 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
POLAM - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #19739. See our deposit-insurance coverage note.
POLAM: Call Report deltas vs peers
- Loan-to-Share Ratio trails the peer set - 56.51% here, 62.60% peer average (-6.09 pp).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where POLAM sits in California
- Health composite ranks #208 of 243 among scored California credit unions.
- By total assets, POLAM is #169 of 243 in California.
- Membership ranks #198 of 243 among California CUs with a reported count (2,109 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 POLAM's 5300 filing moved
POLAM: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -0.6% from $73.9M (2025Q4) to $73.4M (2026Q1).
- Net-worth ratio shifted -0.12 pp (10.21% → 10.09%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
10.09% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 70/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 70.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 17.9 pts
- Return on Assets 2.1 pts
- Member Growth 8.3 pts
- Loan-to-Share Ratio 11.7 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.09% | -3.53 pp |
| Delinquency Rate | 1.27% | +0.31 pp |
| Return on Assets | -0.26% | -0.92 pp |
| Member Growth | -0.38% | - |
| Loan-to-Share Ratio | 56.51% | -6.09 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $73.4M | - |
| 2025Q4 | $73.9M | 2,109 |
| 2024Q4 | $72.3M | 2,117 |
| 2023Q4 | $72.6M | 2,039 |
Credit Union Details
- Charter Number
- 19739
- Type
- Federal
- Field of Membership
- Other/Community
- Peer Group
- $50M–$100M
- State
- California
- City
- LOS ANGELES
- Data Quarter
- 2025Q4
Branch Locations (2)
POLAM operates 2 offices across 2 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Polam FCU (Main Office) | Los Angeles, CA |
| Orange Branch | ORANGE, 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.
POLAM nationwide neighbourhoods
Cross-state asset and health neighbours for POLAM - kept outside California; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($73.9M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (70/100 here).
Using this data
- POLAM ranks #3,604 of 4,374 nationally on financial health and #208 of 243 in CA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- POLAM is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with POLAM
- 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 POLAM financially healthy?
POLAM has a financial health score of 70/100 (Very Good) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,604 of 4,374; by total assets it ranks #2,084 of 4,374 nationally (same basis as /rankings/largest); and #169 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 10.09% and delinquency rate of 1.27%.
How does POLAM compare to other credit unions?
PlainCU's health composite puts POLAM at 70/100, compared to a peer group average for $50M–$100M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), 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 POLAM?
POLAM 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 POLAM directly for the exact boundaries and application steps.
Is my money safe at POLAM?
Federal credit unions like POLAM 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. POLAM's net worth ratio of 10.09% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does POLAM offer compared to banks?
Credit unions like POLAM 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 POLAM 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.