Federal credit union · Redwood City, California · NCUA charter #21502
POLAM
Health score 54/100, grade D (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 54
- Health / 100
- $73.9M
- Total assets
- 3,818
- Members
- 13.6%
- Net-worth ratio
POLAM scores 54/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $73.9M; members 3,818; net-worth ratio 13.60%; health rank #4,202 of 4,374; healthier than 4th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#4,202 of 4,374 health · 2025Q4POLAM · health 54/100 · $73.9M · 2025Q4
Call Report peers
POLAM in the assets neighbourhood
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POLAM vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); POLAM sits in 50-54 with 82 others.
54 4th percentile higher than 4% 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 vs $50M–$100M peers
- Loan-to-Share Ratio leads the peer set - 102.94% here, 62.60% peer average (+40.34 pp).
- Widest shortfall vs peers is Delinquency Rate: +1.96 pp (2.93% vs 0.96%).
POLAM: in-state Call Report ranks
- California health ordinal: #239 of 243.
- California assets place: #170 of 243.
- Membership ranks #170 of 243 among California CUs with a reported count (3,818 members).
- One place up in California, The First Financial (#238) scores 58/100, 4 points higher; one place down, Jones Methodist Church (#240) scores 51/100, 3 points lower.
POLAM: 2025Q4 → 2026Q1
POLAM: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -0.3% from $73.9M (2025Q4) to $73.6M (2026Q1).
- Net-worth ratio shifted -0.14 pp (13.74% → 13.60%).
This credit union's 13.60% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 54/100 score is built
POLAM gives up 46 points in total. Delinquency Rate costs the most, 18.3 of its 25; Net Worth Ratio scores full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 6.7 pts
- Return on Assets 0.4 pts
- Member Growth 7.0 pts
- Loan-to-Share Ratio 9.9 pts
Call Report ratios for POLAM
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.60% | -0.02 pp |
| Delinquency Rate | 2.93% | +1.96 pp |
| Return on Assets | -0.45% | -1.11 pp |
| Member Growth | -1.09% | - |
| Loan-to-Share Ratio | 102.94% | +40.34 pp |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
Call Report history - POLAM
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $73.6M | - |
| 2025Q4 | $73.9M | 3,818 |
| 2024Q4 | $76.6M | 3,860 |
| 2023Q4 | $79.6M | 3,359 |
Credit Union Details
- Charter Number
- 21502
- Type
- Federal
- Field of Membership
- Other/Community
- Peer Group
- $50M–$100M
- State
- California
- City
- Redwood City
- Data Quarter
- 2025Q4
Branch Locations (6)
The NCUA branch filing lists 6 physical offices for POLAM, spread across 6 cities in 3 states.
| Office | City |
|---|---|
| Redwood City (Main Office) | Redwood City, CA |
| Concord | Concord, CA |
| Lone Tree | Lone Tree, CO |
| New Britan | New Britain, CT |
| Sacramento | Sacramento, CA |
| San Francisco | San Francisco, 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.
POLAM nationwide neighbourhoods
Similar total assets
Similar health score
Using this data
- POLAM ranks #4,202 of 4,374 nationally on financial health and #239 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
Frequently Asked Questions
Is POLAM financially healthy?
On its 2025Q4 NCUA 5300 filing, POLAM scores 54/100 (Fair), with a 13.60% net worth ratio and 2.93% of loans delinquent. It ranks #4,202 of 4,374 nationally on health and #239 of 243 in California.
How does POLAM compare to other credit unions?
POLAM scores 54/100, higher than 4% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is loan-to-share ratio (102.94% vs 62.60%). Its widest shortfall is delinquency rate (2.93% vs 0.96%).
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?
POLAM 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. POLAM's net worth ratio of 13.60% 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.