Federal credit union · Cerritos, California · NCUA charter #23004
Popa
Health score 93/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 93
- Health / 100
- $390.7M
- Total assets
- 20,308
- Members
- 11.5%
- Net-worth ratio
Popa - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #23004: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Popa - Five Health Pillars
Each bar is the credit union's 0-100 sub-score on one pillar of the composite. The weighted sum of these five sub-scores is the headline health score above, same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)100
- Earnings (ROA)91
- Member growth60
- Liquidity (loan-to-share)100
Weighted composite: 93/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
11.52% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 11.52% | 30% |
| Delinquency Rate | 0.35% | 25% |
| Return on Assets | 0.41% | 15% |
| Member Growth | -0.03% | 15% |
| Loan-to-Share Ratio | 69.82% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $390.7M | 20,308 |
| 2024Q4 | $365.5M | 20,315 |
| 2023Q4 | $378.1M | 19,801 |
Credit Union Details
- Charter Number
- 23004
- Type
- Federal
- Field of Membership
- Low Income
- Peer Group
- $100M–$500M
- State
- California
- City
- Cerritos
- Data Quarter
- 2025Q4
What This Data Says About Popa
The five-factor composite scores Popa at 93/100 (Excellent), reflecting a net worth ratio of 11.52% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. This federal credit union, headquartered in Cerritos, California, reports 20,308 members, $390.7M in total assets, and $242.5M in outstanding loans as of Q4 2025 under charter #23004 (peer group $100M–$500M, a cohort of 1069 similarly-sized institutions).
0.35% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for $100M–$500M credit unions sits at 0.894%, so this institution is running tighter than peers. Deposit deployment is captured by the 69.82% loan-to-share ratio, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at 0.41% on net income of $1.6M for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -0.03%. The institution reports against the NCUA 5300 Call Report on a quarterly cadence; the figures above reflect the 2025Q4 reporting period. Membership eligibility depends on the stated field of membership (currently: Low Income). See our disclaimer for NCUSIF deposit-insurance coverage and how to use this data before opening any account or borrowing.
Nearby Credit Unions in California
Other federally-insured credit unions in California, closest first by peer group and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Popa financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Popa carries a financial health score of 93/100 (Excellent). On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 11.52% net worth ratio and a 0.35% delinquency rate.
How does Popa compare to other credit unions?
Five weighted metrics from NCUA filings produce Popa's 93/100 score on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 Popa?
Popa carries an NCUA Low-Income Designation, which typically means anyone can join regardless of employer or location, and the credit union is eligible for supplemental capital and secondary capital rules not available to standard charters. Contact Popa directly to confirm current membership steps.
Is my money safe at Popa?
Federal credit unions like Popa 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. Popa's net worth ratio of 11.52% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Popa offer compared to banks?
Credit unions like Popa 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 Popa directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
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.