State credit union · Yreka, California · NCUA charter #61682
SISKIYOU
Health score 95/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 95
- Health / 100
- $145.7M
- Total assets
- 11,567
- Members
- 9.3%
- Net-worth ratio
SISKIYOU scores 95/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $145.7M; members 11,567; net-worth ratio 9.30%; health rank #423 of 4,374; healthier than 90th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#423 of 4,374 health · 2025Q4SISKIYOU · health 95/100 · $145.7M · 2025Q4
- PHOTO 95/100
- BOOK 9.3%
- CHARTER 0.79%
- NCUSIF 0.59%
- CAMELS $145.7M
- HEALTH 11,567
- NW #423/4,374
- DELQ Dept of Labor
- ROA 61682
Call Report peers
SISKIYOU in the assets neighbourhood
SISKIYOU's $145.7M assets sit next to Dept of Labor ($145.4M) 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.
SISKIYOU 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
95 Top 10% higher than 90% 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
SISKIYOU - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #61682. See our deposit-insurance coverage note.
Where SISKIYOU diverges from peer averages
- Largest favorable gap: Loan-to-Share Ratio at 80.40% vs peer 72.20% (+8.20 pp).
- Largest lag: Net Worth Ratio at 9.30% vs peer 12.11% (-2.81 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
California standing for SISKIYOU
- In California, health place is #31 of 243 on the same NCUA-ratio sort used nationally.
- California assets place: #136 of 243.
- Member book place in California: #118 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.
SISKIYOU: 2025Q4 → 2026Q1
SISKIYOU: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -0.7% from $145.7M (2025Q4) to $144.7M (2026Q1).
- Net-worth ratio shifted +0.23 pp (9.07% → 9.30%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 9.30% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 95/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 95.
- Net Worth Ratio 28.2 pts
- Delinquency Rate 22.1 pts
- Return on Assets 15.0 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 14.7 pts
SISKIYOU health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.30% | -2.81 pp |
| Delinquency Rate | 0.79% | -0.11 pp |
| Return on Assets | 0.59% | -0.03 pp |
| Member Growth | 6.41% | - |
| Loan-to-Share Ratio | 80.40% | +8.20 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
SISKIYOU quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $144.7M | - |
| 2025Q4 | $145.7M | 11,567 |
| 2024Q4 | $146.6M | 10,870 |
| 2023Q4 | $137.3M | 10,337 |
Credit Union Details
- Charter Number
- 61682
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- California
- City
- Yreka
- Data Quarter
- 2025Q4
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for SISKIYOU, spread across 2 cities.
| Office | City |
|---|---|
| Siskiyou Credit Union (Main Office) | Yreka, CA |
| Siskiyou Credit Union - ATM | Mount Shasta, 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 SISKIYOU
Two NCUA Call Report peer sets for SISKIYOU, 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 ($145.7M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (95/100 here).
Using this data
- SISKIYOU ranks #423 of 4,374 nationally on financial health and #31 of 243 in CA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- East County Schools is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with East County Schools
- 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 SISKIYOU financially healthy?
Yes/no aside, the number is 95/100 (Excellent) - SISKIYOU'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 #423 of 4,374; by total assets it ranks #1,508 of 4,374 nationally (same basis as /rankings/largest); and #136 of 243 within California. Above 80 reads excellent, below 50 warrants closer monitoring; a 9.30% net worth ratio and 0.79% delinquency rate are the key drivers.
How does SISKIYOU compare to other credit unions?
On PlainCU's health composite, SISKIYOU lands at 95/100, compared to a peer group average for $100M–$500M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), 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 SISKIYOU?
Membership eligibility for SISKIYOU depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact SISKIYOU directly for current membership requirements and application steps.
Is my money safe at SISKIYOU?
Federal credit unions like SISKIYOU 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. SISKIYOU's net worth ratio of 9.30% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does SISKIYOU offer compared to banks?
Credit unions like SISKIYOU 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 SISKIYOU 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.