State credit union · FRESNO, California · NCUA charter #66788
San Joaquin Power Employees
Health score 90/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 90
- Health / 100
- $178.5M
- Total assets
- 6,548
- Members
- 15.3%
- Net-worth ratio
San Joaquin Power Employees scores 90/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $178.5M; members 6,548; net-worth ratio 15.33%; health rank #1,063 of 4,374; healthier than 73rd of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#1,063 of 4,374 health · 2025Q4San Joaquin Power Employees · health 90/100 · $178.5M · 2025Q4
Call Report peers
San Joaquin Power Employees in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
San Joaquin Power Employees vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); San Joaquin Power Employees sits in 90-94 with 747 others.
90 Top 27% higher than 73% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Where San Joaquin Power Employees diverges from peer averages
- Strongest edge vs 1069 $100M–$500M peers is Loan-to-Share Ratio: +14.54 pp (86.74% vs 72.20%).
- Largest lag: Return on Assets at 0.25% vs peer 0.62% (-0.37 pp).
Where San Joaquin Power Employees sits in California
- In California, health place is #67 of 243 on the same NCUA-ratio sort used nationally.
- By total assets, San Joaquin Power Employees is #123 of 243 in California.
- Membership ranks #143 of 243 among California CUs with a reported count (6,548 members).
- One place up in California, LOGIX (#66) ties at 90/100; one place down, SRI (#68) ties at 90/100.
Quarter path for San Joaquin Power Employees
San Joaquin Power Employees: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -2.9% from $178.5M (2025Q4) to $173.3M (2026Q1).
- Net-worth ratio shifted +0.54 pp (14.79% → 15.33%).
This credit union's 15.33% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 90/100 score is built
San Joaquin Power Employees gives up 10 points in total. Member Growth costs the most, 6 of its 15; Net Worth Ratio and Delinquency Rate and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 11.2 pts
- Member Growth 9.0 pts
- Loan-to-Share Ratio 14.8 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 15.33% | +3.22 pp |
| Delinquency Rate | 0.03% | -0.87 pp |
| Return on Assets | 0.25% | -0.37 pp |
| Member Growth | -0.02% | - |
| Loan-to-Share Ratio | 86.74% | +14.54 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $173.3M | - |
| 2025Q4 | $178.5M | 6,548 |
| 2024Q4 | $173.2M | 6,549 |
| 2023Q4 | $171.1M | 6,547 |
Credit Union Details
- Charter Number
- 66788
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- California
- City
- FRESNO
- Data Quarter
- 2025Q4
Branch Location
San Joaquin Power Employees operates a single office in FRESNO, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| SAN JOAQUIN POWER EMPLOYEES CREDIT UNION (Main Office) | FRESNO, 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.
Nationwide credit unions with similar profiles
Similar total assets
Using this data
- San Joaquin Power Employees ranks #1,063 of 4,374 nationally on financial health and #67 of 243 in CA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- CAMINO is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with CAMINO
Frequently Asked Questions
Is San Joaquin Power Employees financially healthy?
San Joaquin Power Employees has a financial health score of 90/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,063 of 4,374 nationally on health and #67 of 243 in California. Its net worth ratio is 15.33% and its delinquency rate 0.03%.
How does San Joaquin Power Employees compare to other credit unions?
San Joaquin Power Employees scores 90/100, higher than 73% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (86.74% vs 72.20%). Its widest shortfall is return on assets (0.25% vs 0.62%).
How can I join San Joaquin Power Employees?
Membership eligibility for San Joaquin Power Employees depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact San Joaquin Power Employees directly for current membership requirements and application steps.
Is my money safe at San Joaquin Power Employees?
San Joaquin Power Employees 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. San Joaquin Power Employees's net worth ratio of 15.33% 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.