State credit union · San Luis Obispo, California · NCUA charter #61779
SLO
Health score 68/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 68
- Health / 100
- $29.5M
- Total assets
- 1,354
- Members
- 14.2%
- Net-worth ratio
SLO scores 68/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $29.5M; members 1,354; net-worth ratio 14.23%; health rank #3,708 of 4,374; healthier than 15th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#3,708 of 4,374 health · 2025Q4SLO · health 68/100 · $29.5M · 2025Q4
- CHARTER 68/100
- NCUSIF 14.2%
- CAMELS 0.39%
- HEALTH -0.95%
- NW $29.5M
- DELQ 1,354
- ROA #3,708/4,374
- ASSETS Postal Family
- MEM 61779
Call Report peers
SLO in the assets neighbourhood
SLO's $29.5M assets sit next to Postal Family ($29.5M) 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.
SLO 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
68 15th percentile higher than 15% 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
SLO - Share Insurance Coverage
Charter #61779's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
SLO vs $10M–$50M peers
- Largest favorable gap: Loan-to-Share Ratio at 60.58% vs peer 59.80% (+0.78 pp).
- Largest lag: Return on Assets at -0.95% vs peer 0.70% (-1.65 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
California standing for SLO
- Health composite ranks #214 of 243 among scored California credit unions.
- By total assets, SLO is #206 of 243 in California.
- Member book place in California: #218 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.
SLO Call Report trajectory
SLO: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.9% from $29.5M (2025Q4) to $29.7M (2026Q1).
- Net-worth ratio shifted -0.29 pp (14.52% → 14.23%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 14.23%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 68/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 68.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 0.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 13.0 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 14.23% | -0.63 pp |
| Delinquency Rate | 0.39% | -0.76 pp |
| Return on Assets | -0.95% | -1.65 pp |
| Member Growth | -13.48% | - |
| Loan-to-Share Ratio | 60.58% | +0.78 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $29.7M | - |
| 2025Q4 | $29.5M | 1,354 |
| 2024Q4 | $33.1M | 1,565 |
| 2023Q4 | $35.1M | 1,584 |
Credit Union Details
- Charter Number
- 61779
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- California
- City
- San Luis Obispo
- Data Quarter
- 2025Q4
Branch Locations (3)
The NCUA branch filing lists 3 physical offices for SLO, spread across 3 cities in 2 states.
| Office | City |
|---|---|
| Main Office (Main Office) | San Luis Obispo, CA |
| CoastHills FCU | Atascadero, CA |
| CU*NORTHWEST | Liberty Lake, WA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in California
A look at other California credit unions, ranked by how closely their peer group and asset size match this one.
Nationwide credit unions with similar profiles
SLO's nationwide photo peers by assets and by health score, excluding California charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($29.5M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (68/100 here).
Using this data
- SLO ranks #3,708 of 4,374 nationally on financial health and #214 of 243 in CA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Sun Pacific is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Sun Pacific
- 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 SLO financially healthy?
Yes/no aside, the number is 68/100 (Good) - SLO'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 #3,708 of 4,374; by total assets it ranks #2,865 of 4,374 nationally (same basis as /rankings/largest); and #206 of 243 within California. Above 80 reads excellent, below 50 warrants closer monitoring; a 14.23% net worth ratio and 0.39% delinquency rate are the key drivers.
How does SLO compare to other credit unions?
68/100 is SLO's score on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 SLO?
Membership eligibility for SLO depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact SLO directly for current membership requirements and application steps.
Is my money safe at SLO?
Federal credit unions like SLO 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. SLO's net worth ratio of 14.23% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does SLO offer compared to banks?
Credit unions like SLO 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 SLO 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.