State credit union · SAN LUIS OBISPO, California · NCUA charter #68741
SESLOC
Health score 93/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 93
- Health / 100
- $1.22B
- Total assets
- 55,815
- Members
- 9.3%
- Net-worth ratio
SESLOC scores 93/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.22B; members 55,815; net-worth ratio 9.32%; health rank #703 of 4,374; healthier than 84th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#703 of 4,374 health · 2025Q4SESLOC · health 93/100 · $1.22B · 2025Q4
- ROA 93/100
- ASSETS 9.3%
- MEM 0.67%
- RANK 0.49%
- PHOTO $1.22B
- BOOK 55,815
- CHARTER #703/4,374
- NCUSIF Freedom First
- CAMELS 68741
Call Report peers
SESLOC in the assets neighbourhood
SESLOC's $1.22B assets sit next to Freedom First ($1.22B) 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.
SESLOC 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
93 Top 16% higher than 84% 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
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 vs Over $500M peers
- Delinquency Rate leads the peer set - 0.67% here, 0.87% peer average (-0.20 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -2.09 pp (81.81% vs 83.90%).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
SESLOC in California
- In California, health place is #47 of 243 on the same NCUA-ratio sort used nationally.
- California assets place: #58 of 243.
- California membership ordinal: #60 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.
Quarter path for SESLOC
SESLOC: total assets by quarter
3 Call Report filings on this page's own vintage chain
- Assets moved +2.9% from $1.22B (2025Q4) to $1.25B (2026Q1).
- Net-worth ratio shifted -0.16 pp (9.48% → 9.32%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
9.32% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 93/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 93.
- Net Worth Ratio 28.3 pts
- Delinquency Rate 23.3 pts
- Return on Assets 14.8 pts
- Member Growth 11.7 pts
- Loan-to-Share Ratio 14.9 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.32% | -1.86 pp |
| Delinquency Rate | 0.67% | -0.20 pp |
| Return on Assets | 0.49% | -0.02 pp |
| Member Growth | 2.24% | - |
| Loan-to-Share Ratio | 81.81% | -2.09 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
SESLOC filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.25B | - |
| 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
Branch Locations (7)
The NCUA branch filing lists 7 physical offices for SESLOC, spread across 5 cities.
| Office | City |
|---|---|
| Headquarters (Main Office) | San Luis Obispo, CA |
| Arroyo Grande Branch | Arroyo Grande, CA |
| Atascadero Branch | Atascadero, CA |
| Paso Robles Branch | Paso Robles, CA |
| San Luis Obispo Branch | San Luis Obispo, CA |
| Cal Poly Branch | San Luis Obispo, CA |
| Santa Maria Branch | Santa Maria, 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 SESLOC
Two NCUA Call Report peer sets for SESLOC, 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 ($1.22B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (93/100 here).
Using this data
- SESLOC ranks #703 of 4,374 nationally on financial health and #47 of 243 in CA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- American First is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with American First
- 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 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. On the national health ranking (same basis as /rankings/healthiest), it sits at #703 of 4,374; by total assets it ranks #400 of 4,374 nationally (same basis as /rankings/largest); and #58 of 243 within California. Above 80 reads excellent, below 50 warrants closer monitoring; a 9.32% 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 9.32% 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.
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.