Federal credit union · Valencia, California · NCUA charter #4393
Sunkist Employees
Health score 84/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 84
- Health / 100
- $3.9M
- Total assets
- 511
- Members
- 31.9%
- Net-worth ratio
Sunkist Employees scores 84/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $3.9M; members 511; net-worth ratio 31.87%; health rank #2,035 of 4,374; healthier than 50th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#2,035 of 4,374 health · 2025Q4Sunkist Employees · health 84/100 · $3.9M · 2025Q4
- PHOTO 84/100
- BOOK 31.9%
- CHARTER 0.06%
- NCUSIF 1.88%
- CAMELS $3.9M
- HEALTH 511
- NW #2,035/4,374
- DELQ n/a
- ROA 4393
Call Report peers
Sunkist Employees carries $3.9M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Sunkist Employees 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
84 Top 50% higher than 50% 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
Sunkist Employees - Share Insurance Coverage
Charter #4393'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.
Sunkist Employees vs $2M–$10M peers
- Largest favorable gap: Net Worth Ratio at 31.87% vs peer 19.06% (+12.81 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -22.62 pp (40.98% vs 63.60%).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Sunkist Employees: in-state Call Report ranks
- California health ordinal: #125 of 243.
- California assets place: #233 of 243.
- California membership ordinal: #234 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 Sunkist Employees
Sunkist Employees: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.0% from $3.9M (2025Q4) to $4.0M (2026Q1).
- Net-worth ratio shifted +0.02 pp (31.85% → 31.87%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 31.87% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 84/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 84.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 4.5 pts
- Loan-to-Share Ratio 9.5 pts
Sunkist Employees vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 31.87% | +12.81 pp |
| Delinquency Rate | 0.06% | -1.75 pp |
| Return on Assets | 1.88% | +1.43 pp |
| Member Growth | -2.48% | - |
| Loan-to-Share Ratio | 40.98% | -22.62 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Call Report history - Sunkist Employees
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $4.0M | - |
| 2025Q4 | $3.9M | 511 |
| 2024Q4 | $4.0M | 524 |
| 2023Q4 | $4.4M | 555 |
Credit Union Details
- Charter Number
- 4393
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $2M–$10M
- State
- California
- City
- Valencia
- Data Quarter
- 2025Q4
Branch Location
Sunkist Employees operates a single office in Valencia, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Sunkist Employees Federal Credit Union (Main Office) | Valencia, 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.
Other-state peers near Sunkist Employees
Cross-state asset and health neighbours for Sunkist Employees - kept outside California; in-state CUs stay in the Nearby block.
Similar health score
Nearest other-state credit unions by five-factor health composite (84/100 here).
Using this data
- Sunkist Employees ranks #2,035 of 4,374 nationally on financial health and #125 of 243 in CA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Chula Vista City Employees is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Chula Vista City Employees
- 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 Sunkist Employees financially healthy?
Sunkist Employees has a financial health score of 84/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,035 of 4,374; by total assets it ranks #3,972 of 4,374 nationally (same basis as /rankings/largest); and #233 of 243 within California. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 31.87% and delinquency rate of 0.06%.
How does Sunkist Employees compare to other credit unions?
On PlainCU's health composite, Sunkist Employees lands at 84/100, compared to a peer group average for $2M–$10M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 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 Sunkist Employees?
Sunkist Employees 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 Sunkist Employees directly for the exact boundaries and application steps.
Is my money safe at Sunkist Employees?
Federal credit unions like Sunkist Employees 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. Sunkist Employees's net worth ratio of 31.87% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Sunkist Employees offer compared to banks?
Credit unions like Sunkist Employees 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 Sunkist Employees 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.