Federal credit union · Redondo Beach, California · NCUA charter #95052
South Bay
Health score 79/100 (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 - 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.
South Bay - Five Health Pillars
Every bar shows this credit union's 0-100 sub-score for one pillar of the composite; weight and add the five and you land on the headline health score above, drawn from the same NCUA 5300 figures with no normalisation tricks.
- Capital (net worth ratio)96
- Asset quality (delinquency)98
- Earnings (ROA)0
- Member growth73
- Liquidity (loan-to-share)100
Weighted composite: 79/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 9.47%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 9.47% | 30% |
| Delinquency Rate | 0.56% | 25% |
| Return on Assets | -0.56% | 15% |
| Member Growth | 1.58% | 15% |
| Loan-to-Share Ratio | 87.32% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About South Bay
The five-factor composite scores South Bay at 79/100 (Very Good), reflecting a net worth ratio of 9.47% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. This federal credit union, headquartered in Redondo Beach, California, reports 9,898 members, $156.8M in total assets, and $122.9M in outstanding loans as of Q4 2025 under charter #95052 (peer group $100M–$500M, a cohort of 1069 similarly-sized institutions).
0.56% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for $100M–$500M credit unions sits at 0.894%, so this institution is running tighter than peers. Deposit deployment is captured by the 87.32% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Return on assets stands at -0.56% on net income of $-878980 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 1.58%. The institution reports against the NCUA 5300 Call Report on a quarterly cadence; the figures above reflect the 2025Q4 reporting period. Membership eligibility depends on the stated field of membership (currently: Other). See our disclaimer for NCUSIF deposit-insurance coverage and how to use this data before opening any account or borrowing.
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.
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 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 this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 9.47% 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 9.47% 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.
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.