Federal credit union · Santa Ana, California · NCUA charter #24520
Santa Ana
Health score 96/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 96
- Health / 100
- $108.9M
- Total assets
- 5,335
- Members
- 13.0%
- Net-worth ratio
Santa Ana scores 96/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $108.9M; members 5,335; net-worth ratio 12.99%; health rank #244 of 4,374; healthier than 93rd of scored peers.
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NCUA 5300 Call Report Masthead
#244 of 4,374 health · 2025Q4Santa Ana · health 96/100 · $108.9M · 2025Q4
Call Report peers
Santa Ana in the assets neighbourhood
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Santa Ana vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Santa Ana sits in 95-99 with 391 others.
96 Top 7% higher than 93% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Santa Ana vs $100M–$500M peers
- Delinquency Rate leads the peer set - 0.00% here, 0.89% peer average (-0.89 pp).
- Loan-to-Share Ratio trails the peer set - 68.23% here, 72.20% peer average (-3.97 pp).
Santa Ana in California
- In California, health place is #20 of 243 on the same NCUA-ratio sort used nationally.
- Assets rank #146 of 243 inside California ($108.9M reported).
- California membership ordinal: #152 of 243.
- One place up in California, REDWOOD (#19) ties at 96/100; one place down, MONTERRA (#21) ties at 96/100.
Santa Ana: 2025Q4 → 2026Q1
Santa Ana: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.3% from $108.9M (2025Q4) to $112.5M (2026Q1).
- Net-worth ratio shifted -0.03 pp (13.02% → 12.99%).
12.99% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 96/100 score is built
Santa Ana gives up 4 points in total. Member Growth costs the most, 3.3 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 11.7 pts
- Loan-to-Share Ratio 14.3 pts
Santa Ana vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.99% | +0.88 pp |
| Delinquency Rate | 0.00% | -0.89 pp |
| Return on Assets | 1.49% | +0.87 pp |
| Member Growth | 2.26% | - |
| Loan-to-Share Ratio | 68.23% | -3.97 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Santa Ana quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $112.5M | - |
| 2025Q4 | $108.9M | 5,335 |
| 2024Q4 | $101.9M | 5,217 |
| 2023Q4 | $99.9M | 5,172 |
Credit Union Details
- Charter Number
- 24520
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- $100M–$500M
- State
- California
- City
- Santa Ana
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, Santa Ana runs one office.
| Office | City |
|---|---|
| Santa Ana Federal Credit Union (Main Office) | Santa Ana, 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.
Other-state peers near Santa Ana
Similar total assets
Similar health score
Using this data
- Santa Ana ranks #244 of 4,374 nationally on financial health and #20 of 243 in CA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- First California is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with First California
Frequently Asked Questions
Is Santa Ana financially healthy?
Santa Ana has a financial health score of 96/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #244 of 4,374 nationally on health and #20 of 243 in California. Its net worth ratio is 12.99% and its delinquency rate 0.00%.
How does Santa Ana compare to other credit unions?
Santa Ana scores 96/100, higher than 93% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is delinquency rate (0.00% vs 0.89%). Its widest shortfall is loan-to-share ratio (68.23% vs 72.20%).
How can I join Santa Ana?
Santa Ana serves multiple common-bond groups, membership usually requires belonging to one of several qualifying employers, associations, or organizations the credit union has chartered to serve. Contact Santa Ana directly for the current list of qualifying groups.
Is my money safe at Santa Ana?
Santa Ana 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. Santa Ana's net worth ratio of 12.99% 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.