Federal credit union · SAN MATEO, California · NCUA charter #6326
San Mateo City Employees
Health score 63/100 (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 63
- Health / 100
- $31.9M
- Total assets
- 1,044
- Members
- 18.3%
- Net-worth ratio
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 - Five Health Pillars
This credit union's pillar breakdown: five 0-100 sub-scores below, which weight-and-sum to the headline health score above. Same underlying NCUA 5300 figures throughout, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)77
- Earnings (ROA)14
- Member growth23
- Liquidity (loan-to-share)52
Weighted composite: 63/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 18.27%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 18.27% | 30% |
| Delinquency Rate | 1.09% | 25% |
| Return on Assets | -0.26% | 15% |
| Member Growth | -3.06% | 15% |
| Loan-to-Share Ratio | 19.62% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About San Mateo City Employees
1,044 members and $31.9M in total assets sit behind San Mateo City Employees, a federal credit union in SAN MATEO, California, which posts a health score of 63/100 (Good) on the five-factor composite, with $5.1M in outstanding loans as of Q4 2025 and a net worth ratio of 18.27% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #6326 in peer group $10M–$50M, a cohort of 1163 similarly-sized institutions.
1.09% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running tighter than peers. Deposit deployment is captured by the 19.62% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Return on assets stands at -0.26% on net income of $-83745 for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -3.06%. The institution reports against the NCUA 5300 Call Report on a quarterly cadence; the figures above reflect the 2025Q4 reporting period. Membership eligibility depends on the stated field of membership (currently: Low Income). See our disclaimer for NCUSIF deposit-insurance coverage and how to use this data before opening any account or borrowing.
Nearby Credit Unions in California
Other federally-insured credit unions in California, closest first by peer group and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
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. Above 80 reads excellent, below 50 warrants closer monitoring; a 18.27% 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 18.27% 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.
Read our methodology - how this data is sourced, computed, and verified.
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.