State credit union · SAN LUIS OBISPO, California · NCUA charter #68741
Sesloc
Health score 93/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 93
- Health / 100
- $1.22B
- Total assets
- 55,815
- Members
- 9.4%
- Net-worth ratio
Sesloc - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #68741 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Sesloc - Five Health Pillars
Below, five 0-100 sub-scores, one per pillar of the composite. Weight and sum them and the result matches the headline health score above exactly - same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)95
- Asset quality (delinquency)93
- Earnings (ROA)99
- Member growth78
- Liquidity (loan-to-share)100
Weighted composite: 93/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
9.44% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 9.44% | 30% |
| Delinquency Rate | 0.67% | 25% |
| Return on Assets | 0.49% | 15% |
| Member Growth | 2.24% | 15% |
| Loan-to-Share Ratio | 81.81% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $1.22B | 55,815 |
| 2024Q4 | $1.14B | 54,592 |
Credit Union Details
- Charter Number
- 68741
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- California
- City
- SAN LUIS OBISPO
- Data Quarter
- 2025Q4
What This Data Says About Sesloc
Charter #68741, peer group Over $500M, a cohort of 749 similarly-sized institutions: that's Sesloc, a state credit union in SAN LUIS OBISPO, California with 55,815 members, $1.22B in total assets, and $890.6M in outstanding loans as of Q4 2025. The five-factor composite scores it 93/100 (Excellent), helped by a net worth ratio of 9.44% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules.
On loan book quality: 0.67% of loans are 60+ days past due against the total loan book - the peer group average for Over $500M credit unions sits at 0.874%, so this institution is running tighter than peers. Meanwhile a 81.81% loan-to-share ratio shows how aggressively member deposits get deployed into lending, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 0.49% on net income of $5.9M 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 2.24%. The quarterly NCUA 5300 Call Report is the source for everything above, current through 2025Q4. Field of membership (currently: Other) decides eligibility to join. NCUSIF deposit-insurance coverage and usage guidance for this data live on our disclaimer page.
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 Sesloc financially healthy?
Yes/no aside, the number is 93/100 (Excellent) - Sesloc's financial health score from the NCUA 5300 Call Report, Q4 2025. Above 80 reads excellent, below 50 warrants closer monitoring; a 9.44% net worth ratio and 0.67% delinquency rate are the key drivers.
How does Sesloc compare to other credit unions?
PlainCU's health composite puts Sesloc at 93/100, compared to a peer group average for Over $500M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), delinquency rate (25%), return on assets (15%), member growth (15%), and 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 Sesloc?
Membership eligibility for Sesloc depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Sesloc directly for current membership requirements and application steps.
Is my money safe at Sesloc?
Federal credit unions like Sesloc 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. Sesloc's net worth ratio of 9.44% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Sesloc offer compared to banks?
Credit unions like Sesloc 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 Sesloc 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.