Federal credit union · DOWNEY, California · NCUA charter #1204
RANCHO
Health score 78/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 78
- Health / 100
- $107.9M
- Total assets
- 7,004
- Members
- 8.4%
- Net-worth ratio
RANCHO scores 78/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $107.9M; members 7,004; net-worth ratio 8.42%; health rank #3,029 of 4,374; healthier than 31st of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#3,029 of 4,374 health · 2025Q4RANCHO · health 78/100 · $107.9M · 2025Q4
Call Report peers
RANCHO in the assets neighbourhood
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RANCHO vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); RANCHO sits in 75-79 with 502 others.
78 31st percentile higher than 31% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Where RANCHO diverges from peer averages
- Largest favorable gap: Delinquency Rate at 0.14% vs peer 0.89% (-0.76 pp).
- Loan-to-Share Ratio trails the peer set - 63.52% here, 72.20% peer average (-8.68 pp).
RANCHO in California
- In California, health place is #175 of 243 on the same NCUA-ratio sort used nationally.
- Assets rank #149 of 243 inside California ($107.9M reported).
- California membership ordinal: #139 of 243.
- One place up in California, USC (#174) ties at 78/100; one place down, HAVEN (#176) scores 77/100, 1 point lower.
How RANCHO's 5300 filing moved
RANCHO: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.2% from $107.9M (2025Q4) to $110.3M (2026Q1).
- Net-worth ratio shifted -0.05 pp (8.47% → 8.42%).
8.42% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 78/100 score is built
RANCHO gives up 22 points in total. Member Growth costs the most, 15 of its 15; Delinquency Rate scores full marks.
- Net Worth Ratio 26.1 pts
- Delinquency Rate 25.0 pts
- Return on Assets 13.7 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 13.2 pts
RANCHO vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.42% | -3.69 pp |
| Delinquency Rate | 0.14% | -0.76 pp |
| Return on Assets | 0.41% | -0.21 pp |
| Member Growth | -8.83% | - |
| Loan-to-Share Ratio | 63.52% | -8.68 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
RANCHO quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $110.3M | - |
| 2025Q4 | $107.9M | 7,004 |
| 2024Q4 | $106.6M | 7,682 |
| 2023Q4 | $109.1M | 8,035 |
Credit Union Details
- Charter Number
- 1204
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- $100M–$500M
- State
- California
- City
- DOWNEY
- Data Quarter
- 2025Q4
Branch Locations (3)
RANCHO operates 3 offices across 3 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Downey (Main Office) | Downey, CA |
| Buena Park | Buena Park, CA |
| Claremont | Claremont, 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.
Cross-state Call Report peers for RANCHO
Using this data
- RANCHO ranks #3,029 of 4,374 nationally on financial health and #175 of 243 in CA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Lassen County is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Lassen County
Frequently Asked Questions
Is RANCHO financially healthy?
RANCHO has a financial health score of 78/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,029 of 4,374 nationally on health and #175 of 243 in California. Its net worth ratio is 8.42% and its delinquency rate 0.14%.
How does RANCHO compare to other credit unions?
RANCHO scores 78/100, higher than 31% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is delinquency rate (0.14% vs 0.89%). Its widest shortfall is loan-to-share ratio (63.52% vs 72.20%).
How can I join RANCHO?
RANCHO serves multiple common-bond groups, membership usually requires belonging to one of several qualifying employers, associations, or organizations the credit union has chartered to serve. Contact RANCHO directly for the current list of qualifying groups.
Is my money safe at RANCHO?
RANCHO 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. RANCHO's net worth ratio of 8.42% 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.