Federal credit union · SAN MATEO, California · NCUA charter #6326
San Mateo City Employees
Health score 63/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 63
- Health / 100
- $31.9M
- Total assets
- 1,044
- Members
- 17.5%
- Net-worth ratio
San Mateo City Employees scores 63/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $31.9M; members 1,044; net-worth ratio 17.46%; health rank #3,942 of 4,374; healthier than 9th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#3,942 of 4,374 health · 2025Q4San Mateo City Employees · health 63/100 · $31.9M · 2025Q4
- ROA 63/100
- ASSETS 17.5%
- MEM 1.09%
- RANK -0.26%
- PHOTO $31.9M
- BOOK 1,044
- CHARTER #3,942/4,374
- NCUSIF Korean American Catholics
- CAMELS 6326
Call Report peers
San Mateo City Employees in the assets neighbourhood
San Mateo City Employees's $31.9M assets sit next to Korean American Catholics ($31.9M) 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 Mateo 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
63 9th percentile higher than 9% 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 Mateo City Employees - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #6326. See our deposit-insurance coverage note.
San Mateo City Employees: Call Report deltas vs peers
- Net Worth Ratio leads the peer set - 17.46% here, 14.86% peer average (+2.60 pp).
- Largest lag: Loan-to-Share Ratio at 19.62% vs peer 59.80% (-40.18 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
California standing for San Mateo City Employees
- In California, health place is #230 of 243 on the same NCUA-ratio sort used nationally.
- California assets place: #204 of 243.
- California membership ordinal: #223 of 243.
In-state ordinals use the live credit_unions table for CA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How San Mateo City Employees's 5300 filing moved
San Mateo City Employees: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +4.4% from $31.9M (2025Q4) to $33.3M (2026Q1).
- Net-worth ratio shifted -0.81 pp (18.27% → 17.46%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 17.46%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 63/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 63.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 19.4 pts
- Return on Assets 2.1 pts
- Member Growth 3.5 pts
- Loan-to-Share Ratio 8.0 pts
Call Report ratios for San Mateo City Employees
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 17.46% | +2.60 pp |
| Delinquency Rate | 1.09% | -0.06 pp |
| Return on Assets | -0.26% | -0.97 pp |
| Member Growth | -3.06% | - |
| Loan-to-Share Ratio | 19.62% | -40.18 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).
San Mateo City Employees filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $33.3M | - |
| 2025Q4 | $31.9M | 1,044 |
| 2024Q4 | $35.9M | 1,077 |
| 2023Q4 | $38.1M | 1,094 |
Credit Union Details
- Charter Number
- 6326
- Type
- Federal
- Field of Membership
- Low Income
- Peer Group
- $10M–$50M
- State
- California
- City
- SAN MATEO
- Data Quarter
- 2025Q4
Branch Locations (3)
The NCUA branch filing lists 3 physical offices for San Mateo City Employees, spread across 2 cities in 2 states.
| Office | City |
|---|---|
| Credit Union Main Office (Main Office) | San Mateo, CA |
| Fiserv | Flint, MI |
| City Hall | San Mateo, 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 San Mateo City Employees
Two NCUA Call Report peer sets for San Mateo City Employees, both outside California so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($31.9M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (63/100 here).
Using this data
- San Mateo City Employees ranks #3,942 of 4,374 nationally on financial health and #230 of 243 in CA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- El Monte Community is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with El Monte 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 San Mateo City Employees financially healthy?
Yes/no aside, the number is 63/100 (Good) - San Mateo City 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 #3,942 of 4,374; by total assets it ranks #2,801 of 4,374 nationally (same basis as /rankings/largest); and #204 of 243 within California. Above 80 reads excellent, below 50 warrants closer monitoring; a 17.46% net worth ratio and 1.09% delinquency rate are the key drivers.
How does San Mateo City Employees compare to other credit unions?
Five weighted metrics from NCUA filings produce San Mateo City Employees's 63/100 score on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 San Mateo City Employees?
San Mateo 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 San Mateo City Employees directly to confirm current membership steps.
Is my money safe at San Mateo City Employees?
Federal credit unions like San Mateo 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. San Mateo City Employees's net worth ratio of 17.46% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does San Mateo City Employees offer compared to banks?
Credit unions like San Mateo 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 San Mateo 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.