Federal credit union · Redondo Beach, California · NCUA charter #95052
South Bay
Health score 79/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 79
- Health / 100
- $156.8M
- Total assets
- 9,898
- Members
- 9.5%
- Net-worth ratio
South Bay scores 79/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $156.8M; members 9,898; net-worth ratio 9.54%; health rank #2,891 of 4,374; healthier than 33rd of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#2,891 of 4,374 health · 2025Q4South Bay · health 79/100 · $156.8M · 2025Q4
- NCUSIF 79/100
- CAMELS 9.5%
- HEALTH 0.56%
- NW -0.56%
- DELQ $156.8M
- ROA 9,898
- ASSETS #2,891/4,374
- MEM Red River
- RANK 95052
Call Report peers
South Bay in the assets neighbourhood
South Bay's $156.8M assets sit next to Red River ($156.7M) 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.
South Bay 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
79 33rd percentile higher than 33% 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
South Bay - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #95052: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Where South Bay diverges from peer averages
- Strongest edge vs 1069 $100M–$500M peers is Loan-to-Share Ratio: +15.12 pp (87.32% vs 72.20%).
- Widest shortfall vs peers is Net Worth Ratio: -2.57 pp (9.54% vs 12.11%).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
South Bay: in-state Call Report ranks
- In California, health place is #170 of 243 on the same NCUA-ratio sort used nationally.
- By total assets, South Bay is #132 of 243 in California.
- Member book place in California: #125 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 South Bay
South Bay: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +4.8% from $156.8M (2025Q4) to $164.3M (2026Q1).
- Net-worth ratio shifted -0.10 pp (9.64% → 9.54%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 9.54%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 79/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 79.
- Net Worth Ratio 28.8 pts
- Delinquency Rate 24.4 pts
- Return on Assets 0.0 pts
- Member Growth 10.9 pts
- Loan-to-Share Ratio 14.9 pts
Call Report ratios for South Bay
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.54% | -2.57 pp |
| Delinquency Rate | 0.56% | -0.33 pp |
| Return on Assets | -0.56% | -1.18 pp |
| Member Growth | 1.58% | - |
| Loan-to-Share Ratio | 87.32% | +15.12 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).
Call Report history - South Bay
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $164.3M | - |
| 2025Q4 | $156.8M | 9,898 |
| 2024Q4 | $158.0M | 9,744 |
| 2023Q4 | $156.7M | 9,434 |
Credit Union Details
- Charter Number
- 95052
- Type
- Federal
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- California
- City
- Redondo Beach
- Data Quarter
- 2025Q4
Branch Locations (4)
South Bay operates 4 offices across 4 cities, spanning 2 states, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Redondo Beach (Main Office) | Redondo Beach, CA |
| CU*Northwest | LIBERTY LAKE, WA |
| Lomita Branch | Lomita, CA |
| Artesia Branch | REDONDO BEACH, CA |
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.
South Bay nationwide neighbourhoods
South Bay's nationwide photo peers by assets and by health score, excluding California charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($156.8M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (79/100 here).
Using this data
- South Bay ranks #2,891 of 4,374 nationally on financial health and #170 of 243 in CA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Mission City is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Mission City
- 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 South Bay financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, South Bay carries a financial health score of 79/100 (Very Good). On the national health ranking (same basis as /rankings/healthiest), it sits at #2,891 of 4,374; by total assets it ranks #1,462 of 4,374 nationally (same basis as /rankings/largest); and #132 of 243 within California. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 9.54% net worth ratio and a 0.56% delinquency rate.
How does South Bay compare to other credit unions?
PlainCU's health composite puts South Bay at 79/100, compared to a peer group average for $100M–$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 South Bay?
Membership eligibility for South Bay depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact South Bay directly for current membership requirements and application steps.
Is my money safe at South Bay?
Federal credit unions like South Bay 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. South Bay's net worth ratio of 9.54% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does South Bay offer compared to banks?
Credit unions like South Bay 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 South Bay 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.