State credit union · FOLSOM, California · NCUA charter #68366
SAFE
Health score 100/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 100
- Health / 100
- $4.40B
- Total assets
- 245,905
- Members
- 10.5%
- Net-worth ratio
SAFE scores 100/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $4.40B; members 245,905; net-worth ratio 10.49%; health rank #31 of 4,374; healthier than 99th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#31 of 4,374 health · 2025Q4SAFE · health 100/100 · $4.40B · 2025Q4
Call Report peers
SAFE in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
SAFE vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); SAFE sits in 100 with 34 others.
100 Top 1% higher than 99% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
SAFE: Call Report deltas vs peers
- Largest favorable gap: Delinquency Rate at 0.54% vs peer 0.87% (-0.34 pp).
- Largest lag: Loan-to-Share Ratio at 79.84% vs peer 83.90% (-4.06 pp).
SAFE in California
- California health ordinal: #3 of 243.
- California assets place: #18 of 243.
- Membership ranks #13 of 243 among California CUs with a reported count (245,905 members).
- One place up in California, Safe 1 (#2) ties at 100/100; one place down, YOLO (#4) scores 99/100, 1 point lower.
SAFE Call Report trajectory
SAFE: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.1% from $4.40B (2025Q4) to $4.45B (2026Q1).
- Net-worth ratio shifted +0.12 pp (10.37% → 10.49%).
10.49% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 100/100 score is built
SAFE gives up 0 points in total. Delinquency Rate costs the most, 0.4 of its 25; Net Worth Ratio and Return on Assets and Member Growth and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 24.6 pts
- Return on Assets 15.0 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 15.4 pts
Call Report ratios for SAFE
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.49% | -0.69 pp |
| Delinquency Rate | 0.54% | -0.34 pp |
| Return on Assets | 0.56% | +0.05 pp |
| Member Growth | 5.24% | - |
| Loan-to-Share Ratio | 79.84% | -4.06 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
SAFE filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $4.45B | - |
| 2025Q4 | $4.40B | 245,905 |
| 2024Q4 | $4.32B | 233,656 |
| 2023Q4 | $4.65B | 235,222 |
Credit Union Details
- Charter Number
- 68366
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- California
- City
- FOLSOM
- Data Quarter
- 2025Q4
Branch Locations (19)
The NCUA branch filing lists 19 physical offices for SAFE, spread across 12 cities.
| Office | City |
|---|---|
| Corporate (Main Office) | Folsom, CA |
| Antelope | Antelope, CA |
| Citrus Heights | Citrus Heights, CA |
| Sunrise | Citrus Heights, CA |
| East Elk Grove | Elk Grove, CA |
| Laguna | Elk Grove, CA |
| Hazel | Fair Oaks, CA |
| Folsom | Folsom, CA |
| Granite Bay | Granite Bay, CA |
| Lincoln Crossing | Lincoln, CA |
| North Highlands | North Highlands, CA |
| Rocklin | Rocklin, CA |
| Roseville | Roseville, CA |
| West Roseville | Roseville, CA |
| East Sacramento | Sacramento, CA |
| El Camino | Sacramento, CA |
| North Natomas | Sacramento, CA |
| Land Park | Sacramento, CA |
| West Sacramento | West 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 SAFE
Using this data
- SAFE ranks #31 of 4,374 nationally on financial health and #3 of 243 in CA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- TECHNOLOGY is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with TECHNOLOGY
Frequently Asked Questions
Is SAFE financially healthy?
SAFE has a financial health score of 100/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #31 of 4,374 nationally on health and #3 of 243 in California. Its net worth ratio is 10.49% and its delinquency rate 0.54%.
How does SAFE compare to other credit unions?
SAFE scores 100/100, higher than 99% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is delinquency rate (0.54% vs 0.87%). Its widest shortfall is loan-to-share ratio (79.84% vs 83.90%).
How can I join SAFE?
Membership eligibility for SAFE depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact SAFE directly for current membership requirements and application steps.
Is my money safe at SAFE?
SAFE is a state-chartered 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. SAFE's net worth ratio of 10.49% 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.