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
Call Report peers
San Mateo City 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 Mateo City Employees vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); San Mateo City Employees sits in 60-64 with 179 others.
63 9th percentile higher than 9% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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).
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.
- One place up in California, Dow Great Western (#229) scores 64/100, 1 point higher; one place down, Columbus Club (#231) scores 62/100, 1 point lower.
How San Mateo City Employees's 5300 filing moved
San Mateo City Employees: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +4.4% from $31.9M (2025Q4) to $33.3M (2026Q1).
- Net-worth ratio shifted -0.81 pp (18.27% → 17.46%).
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
San Mateo City Employees gives up 37 points in total. Return on Assets costs the most, 12.9 of its 15; Net Worth Ratio scores full marks.
- 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 |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
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
Similar total assets
Similar health score
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
Frequently Asked Questions
Is San Mateo City Employees financially healthy?
San Mateo City Employees has a financial health score of 63/100 (Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,942 of 4,374 nationally on health and #230 of 243 in California. Its net worth ratio is 17.46% and its delinquency rate 1.09%.
How does San Mateo City Employees compare to other credit unions?
San Mateo City Employees scores 63/100, higher than 9% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is net worth ratio (17.46% vs 14.86%). Its widest shortfall is loan-to-share ratio (19.62% vs 59.80%).
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?
San Mateo City Employees is a federal 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 Mateo City Employees's net worth ratio of 17.46% 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.