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.
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NCUA 5300 Call Report Masthead
#2,891 of 4,374 health · 2025Q4South Bay · health 79/100 · $156.8M · 2025Q4
Call Report peers
South Bay in the assets neighbourhood
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South Bay vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); South Bay sits in 75-79 with 502 others.
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
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%).
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.
- One place up in California, Premier America (#169) ties at 79/100; one place down, Cal State L.a. (#171) ties at 79/100.
Quarter path for South Bay
South Bay: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +4.8% from $156.8M (2025Q4) to $164.3M (2026Q1).
- Net-worth ratio shifted -0.10 pp (9.64% → 9.54%).
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
South Bay gives up 21 points in total. Return on Assets costs the most, 15 of its 15; Loan-to-Share Ratio scores full marks.
- 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 |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is South Bay financially healthy?
South Bay has a financial health score of 79/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,891 of 4,374 nationally on health and #170 of 243 in California. Its net worth ratio is 9.54% and its delinquency rate 0.56%.
How does South Bay compare to other credit unions?
South Bay scores 79/100, higher than 33% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (87.32% vs 72.20%). Its widest shortfall is net worth ratio (9.54% vs 12.11%).
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?
South Bay is a federal credit union; its shares are federally 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."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.