Federal credit union · Redlands, California · NCUA charter #9778
Redlands City Employees
Health score 94/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 94
- Health / 100
- $10.1M
- Total assets
- 730
- Members
- 24.8%
- Net-worth ratio
Redlands City Employees scores 94/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $10.1M; members 730; net-worth ratio 24.76%; health rank #437 of 4,374; healthier than 87th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#437 of 4,374 health · 2025Q4Redlands City Employees · health 94/100 · $10.1M · 2025Q4
- ROA 94/100
- ASSETS 24.8%
- MEM 0.00%
- RANK 2.12%
- PHOTO $10.1M
- BOOK 730
- CHARTER #437/4,374
- NCUSIF P.S.E. & G. Nuclear Employees
- CAMELS 9778
Call Report peers
Redlands City Employees in the assets neighbourhood
Redlands City Employees's $10.1M assets sit next to P.S.E. & G. Nuclear Employees ($10.1M) 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.
Redlands City Employees 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
94 Top 13% higher than 87% 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
Redlands City Employees - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #9778, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Where Redlands City Employees diverges from peer averages
- Largest favorable gap: Loan-to-Share Ratio at 78.61% vs peer 59.80% (+18.81 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Redlands City Employees: in-state Call Report ranks
- In California, health place is #33 of 243 on the same NCUA-ratio sort used nationally.
- Assets rank #227 of 243 inside California ($10.1M reported).
- Membership ranks #229 of 243 among California CUs with a reported count (730 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.
Redlands City Employees Call Report trajectory
Redlands City Employees: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.6% from $10.1M (2025Q4) to $10.3M (2026Q1).
- Net-worth ratio shifted +0.02 pp (24.74% → 24.76%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
24.76% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 94/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 94.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 8.5 pts
- Loan-to-Share Ratio 15.5 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 24.76% | +9.90 pp |
| Delinquency Rate | 0.00% | -1.15 pp |
| Return on Assets | 2.12% | +1.42 pp |
| Member Growth | -0.27% | - |
| Loan-to-Share Ratio | 78.61% | +18.81 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Call Report history - Redlands City Employees
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $10.3M | - |
| 2025Q4 | $10.1M | 730 |
| 2024Q4 | $9.8M | 732 |
| 2023Q4 | $9.9M | 714 |
Credit Union Details
- Charter Number
- 9778
- Type
- Federal
- Field of Membership
- Low Income
- Peer Group
- $10M–$50M
- State
- California
- City
- Redlands
- Data Quarter
- 2025Q4
Branch Location
Redlands City Employees operates a single office in Redlands, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Redlands City Employees Federal Credit Union (Main Office) | Redlands, 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.
Other-state peers near Redlands City Employees
Cross-state asset and health neighbours for Redlands City Employees - kept outside California; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($10.1M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (94/100 here).
Using this data
- Redlands City Employees ranks #437 of 4,374 nationally on financial health and #33 of 243 in CA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- San Francisco Lee is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with San Francisco Lee
- 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 Redlands City Employees financially healthy?
Redlands City Employees has a financial health score of 94/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #437 of 4,374; by total assets it ranks #3,559 of 4,374 nationally (same basis as /rankings/largest); and #227 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 24.76% and delinquency rate of 0.00%.
How does Redlands City Employees compare to other credit unions?
Redlands City Employees scores 94/100 on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), 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 Redlands City Employees?
Redlands City Employees 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 Redlands City Employees directly to confirm current membership steps.
Is my money safe at Redlands City Employees?
Federal credit unions like Redlands City Employees 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. Redlands City Employees's net worth ratio of 24.76% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Redlands City Employees offer compared to banks?
Credit unions like Redlands City Employees 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 Redlands City Employees 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.