State credit union · Sacramento, California · NCUA charter #62641
SACRAMENTO
Health score 98/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 98
- Health / 100
- $837.8M
- Total assets
- 30,610
- Members
- 14.8%
- Net-worth ratio
SACRAMENTO scores 98/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $837.8M; members 30,610; net-worth ratio 14.77%; health rank #83 of 4,374; healthier than 97th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#83 of 4,374 health · 2025Q4SACRAMENTO · health 98/100 · $837.8M · 2025Q4
- CHARTER 98/100
- NCUSIF 14.8%
- CAMELS 0.06%
- HEALTH 1.13%
- NW $837.8M
- DELQ 30,610
- ROA #83/4,374
- ASSETS CINFED
- MEM 62641
Call Report peers
SACRAMENTO in the assets neighbourhood
SACRAMENTO's $837.8M assets sit next to CINFED ($840.1M) 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.
SACRAMENTO 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
98 Top 3% higher than 97% 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
SACRAMENTO - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #62641, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Where SACRAMENTO diverges from peer averages
- Net Worth Ratio leads the peer set - 14.77% here, 11.18% peer average (+3.59 pp).
- Loan-to-Share Ratio trails the peer set - 62.83% here, 83.90% peer average (-21.07 pp).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
SACRAMENTO: in-state Call Report ranks
- California health ordinal: #9 of 243.
- Assets rank #75 of 243 inside California ($837.8M reported).
- Membership ranks #83 of 243 among California CUs with a reported count (30,610 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.
SACRAMENTO: 2025Q4 → 2026Q1
SACRAMENTO: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.7% from $837.8M (2025Q4) to $851.9M (2026Q1).
- Net-worth ratio shifted -0.33 pp (15.10% → 14.77%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 14.77% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 98/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 98.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 13.0 pts
Call Report ratios for SACRAMENTO
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 14.77% | +3.59 pp |
| Delinquency Rate | 0.06% | -0.82 pp |
| Return on Assets | 1.13% | +0.62 pp |
| Member Growth | 6.14% | - |
| Loan-to-Share Ratio | 62.83% | -21.07 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
SACRAMENTO filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $851.9M | - |
| 2025Q4 | $837.8M | 30,610 |
| 2024Q4 | $760.2M | 28,838 |
| 2023Q4 | $806.2M | 27,522 |
Credit Union Details
- Charter Number
- 62641
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- California
- City
- Sacramento
- Data Quarter
- 2025Q4
Branch Locations (8)
Per its most recent NCUA branch filing, SACRAMENTO runs 8 offices in 5 different cities.
| Office | City |
|---|---|
| H Street Corporate (Main Office) | Sacramento, CA |
| Elk Grove Branch | Elk Grove, CA |
| Madison/Fair Oaks Branch | Fair Oaks, CA |
| Folsom Branch | Folsom, CA |
| Roseville Branch | Roseville, CA |
| Bradshaw Branch | Sacramento, CA |
| Arden Branch | Sacramento, CA |
| H Street Branch | Sacramento, 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 SACRAMENTO
Cross-state asset and health neighbours for SACRAMENTO - kept outside California; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($837.8M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (98/100 here).
Using this data
- SACRAMENTO ranks #83 of 4,374 nationally on financial health and #9 of 243 in CA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Sun Community is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Sun Community
- 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 SACRAMENTO financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, SACRAMENTO carries a financial health score of 98/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #83 of 4,374; by total assets it ranks #535 of 4,374 nationally (same basis as /rankings/largest); and #75 of 243 within California. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 14.77% net worth ratio and a 0.06% delinquency rate.
How does SACRAMENTO compare to other credit unions?
SACRAMENTO scores 98/100 on PlainCU's health composite, compared to a peer group average for Over $500M 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 SACRAMENTO?
Membership eligibility for SACRAMENTO depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact SACRAMENTO directly for current membership requirements and application steps.
Is my money safe at SACRAMENTO?
Federal credit unions like SACRAMENTO 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. SACRAMENTO's net worth ratio of 14.77% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does SACRAMENTO offer compared to banks?
Credit unions like SACRAMENTO 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 SACRAMENTO 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.