Federal credit union · MENLO PARK, California · NCUA charter #11872
SRI
Health score 90/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 90
- Health / 100
- $236.5M
- Total assets
- 5,082
- Members
- 12.2%
- Net-worth ratio
SRI scores 90/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $236.5M; members 5,082; net-worth ratio 12.21%; health rank #1,108 of 4,374; healthier than 73rd of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#1,108 of 4,374 health · 2025Q4SRI · health 90/100 · $236.5M · 2025Q4
- ROA 90/100
- ASSETS 12.2%
- MEM 0.34%
- RANK 0.68%
- PHOTO $236.5M
- BOOK 5,082
- CHARTER #1,108/4,374
- NCUSIF SOUTHBRIDGE
- CAMELS 11872
Call Report peers
SRI in the assets neighbourhood
SRI's $236.5M assets sit next to SOUTHBRIDGE ($236.3M) 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.
SRI 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
90 Top 27% higher than 73% 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
SRI - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #11872. See our deposit-insurance coverage note.
SRI vs $100M–$500M peers
- Loan-to-Share Ratio leads the peer set - 92.61% here, 72.20% peer average (+20.41 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
SRI in California
- Health composite ranks #68 of 243 among scored California credit unions.
- By total assets, SRI is #113 of 243 in California.
- Member book place in California: #156 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 SRI
SRI: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.4% from $236.5M (2025Q4) to $242.1M (2026Q1).
- Net-worth ratio shifted -0.14 pp (12.35% → 12.21%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 12.21%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 90/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 90.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 6.5 pts
- Loan-to-Share Ratio 13.5 pts
SRI vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.21% | +0.10 pp |
| Delinquency Rate | 0.34% | -0.56 pp |
| Return on Assets | 0.68% | +0.05 pp |
| Member Growth | -1.40% | - |
| Loan-to-Share Ratio | 92.61% | +20.41 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).
SRI filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $242.1M | - |
| 2025Q4 | $236.5M | 5,082 |
| 2024Q4 | $227.9M | 5,154 |
| 2023Q4 | $216.3M | 5,229 |
Credit Union Details
- Charter Number
- 11872
- Type
- Federal
- Field of Membership
- Other/Community
- Peer Group
- $100M–$500M
- State
- California
- City
- MENLO PARK
- Data Quarter
- 2025Q4
Branch Locations (2)
Per its most recent NCUA branch filing, SRI runs 2 offices in 2 different cities.
| Office | City |
|---|---|
| Main Office (Main Office) | MENLO PARK, CA |
| Menlo Survey Moffett Field Branch | Mountain View, 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.
Cross-state Call Report peers for SRI
Cross-state asset and health neighbours for SRI - kept outside California; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($236.5M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (90/100 here).
Using this data
- SRI ranks #1,108 of 4,374 nationally on financial health and #68 of 243 in CA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- CORAZO is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with CORAZO
- 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 SRI financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, SRI carries a financial health score of 90/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #1,108 of 4,374; by total assets it ranks #1,178 of 4,374 nationally (same basis as /rankings/largest); and #113 of 243 within California. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 12.21% net worth ratio and a 0.34% delinquency rate.
How does SRI compare to other credit unions?
SRI scores 90/100 on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (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 SRI?
SRI operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact SRI directly for the exact boundaries and application steps.
Is my money safe at SRI?
Federal credit unions like SRI 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. SRI's net worth ratio of 12.21% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does SRI offer compared to banks?
Credit unions like SRI 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 SRI 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.