Federal credit union · Cerritos, California · NCUA charter #23004
POPA
Health score 93/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 93
- Health / 100
- $390.7M
- Total assets
- 20,308
- Members
- 11.6%
- Net-worth ratio
POPA scores 93/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $390.7M; members 20,308; net-worth ratio 11.63%; health rank #644 of 4,374; healthier than 84th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#644 of 4,374 health · 2025Q4POPA · health 93/100 · $390.7M · 2025Q4
Call Report peers
POPA in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
POPA vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); POPA sits in 90-94 with 747 others.
93 Top 16% higher than 84% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Peer-gap read for POPA
- Delinquency Rate leads the peer set - 0.35% here, 0.89% peer average (-0.55 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -2.38 pp (69.82% vs 72.20%).
POPA: in-state Call Report ranks
- California health ordinal: #42 of 243.
- California assets place: #97 of 243.
- Membership ranks #101 of 243 among California CUs with a reported count (20,308 members).
- One place up in California, Christian Community (#41) ties at 93/100; one place down, El Monte Community (#43) ties at 93/100.
Quarter path for POPA
POPA: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.2% from $390.7M (2025Q4) to $399.4M (2026Q1).
- Net-worth ratio shifted -0.02 pp (11.65% → 11.63%).
11.63% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 93/100 score is built
POPA gives up 7 points in total. Member Growth costs the most, 6.1 of its 15; Loan-to-Share Ratio and Net Worth Ratio and Delinquency Rate score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 13.7 pts
- Member Growth 8.9 pts
- Loan-to-Share Ratio 15.4 pts
POPA health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.63% | -0.48 pp |
| Delinquency Rate | 0.35% | -0.55 pp |
| Return on Assets | 0.41% | -0.21 pp |
| Member Growth | -0.03% | - |
| Loan-to-Share Ratio | 69.82% | -2.38 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Call Report history - POPA
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $399.4M | - |
| 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
Branch Locations (4)
Per its most recent NCUA branch filing, POPA runs 4 offices in 4 different cities.
| Office | City |
|---|---|
| Cerritos Branch (Main Office) | Cerritos, CA |
| Monterey Park Branch | Monterey Park, CA |
| San Dimas Branch | San Dimas, CA |
| Valencia Branch | Valencia, 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.
Cross-state Call Report peers for POPA
Similar total assets
Similar health score
Using this data
- POPA ranks #644 of 4,374 nationally on financial health and #42 of 243 in CA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- CAHP is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with CAHP
Frequently Asked Questions
Is POPA financially healthy?
On its 2025Q4 NCUA 5300 filing, POPA scores 93/100 (Excellent), with a 11.63% net worth ratio and 0.35% of loans delinquent. It ranks #644 of 4,374 nationally on health and #42 of 243 in California.
How does POPA compare to other credit unions?
POPA scores 93/100, higher than 84% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is delinquency rate (0.35% vs 0.89%). Its widest shortfall is loan-to-share ratio (69.82% vs 72.20%).
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?
POPA 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. POPA's net worth ratio of 11.63% 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.