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
- HEALTH 90/100
- NW 15.3%
- DELQ 0.03%
- ROA 0.25%
- ASSETS $178.5M
- MEM 6,548
- RANK #1,063/4,374
- PHOTO MAGNOLIA
- BOOK 66788
Call Report peers
San Joaquin Power Employees in the assets neighbourhood
San Joaquin Power Employees's $178.5M assets sit next to MAGNOLIA ($178.5M) 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.
San Joaquin Power 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
90 Top 27% higher than 73% 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
San Joaquin Power Employees - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #66788, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
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).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
In-state ordinals use the live credit_unions table for CA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for San Joaquin Power Employees
San Joaquin Power Employees: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -2.9% from $178.5M (2025Q4) to $173.3M (2026Q1).
- Net-worth ratio shifted +0.54 pp (14.79% → 15.33%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 90.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
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
Cross-state asset and health neighbours for San Joaquin Power Employees - kept outside California; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($178.5M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (90/100 here).
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
- 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 San Joaquin Power Employees financially healthy?
Yes/no aside, the number is 90/100 (Excellent) - San Joaquin Power Employees's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,063 of 4,374; by total assets it ranks #1,359 of 4,374 nationally (same basis as /rankings/largest); and #123 of 243 within California. Above 80 reads excellent, below 50 warrants closer monitoring; a 15.33% net worth ratio and 0.03% delinquency rate are the key drivers.
How does San Joaquin Power Employees compare to other credit unions?
90/100 is San Joaquin Power Employees's score on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 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?
Federal credit unions like San Joaquin Power 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. San Joaquin Power Employees's net worth ratio of 15.33% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does San Joaquin Power Employees offer compared to banks?
Credit unions like San Joaquin Power 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 San Joaquin Power 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.