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.
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#2,035 of 4,374 health · 2025Q4Sunkist Employees · health 84/100 · $3.9M · 2025Q4
Call Report peers
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
The busiest band is 85-89 (858 credit unions); Sunkist Employees sits in 80-84 with 767 others.
84 Top 50% higher than 50% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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%).
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.
- One place up in California, Mission City (#124) scores 85/100, 1 point higher; one place down, E-CENTRAL (#126) ties at 84/100.
Quarter path for Sunkist Employees
Sunkist Employees: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.0% from $3.9M (2025Q4) to $4.0M (2026Q1).
- Net-worth ratio shifted +0.02 pp (31.85% → 31.87%).
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
Sunkist Employees gives up 16 points in total. Member Growth costs the most, 10.5 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- 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 |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
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
Similar health score
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
Frequently Asked Questions
Is Sunkist Employees financially healthy?
Sunkist Employees has a financial health score of 84/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,035 of 4,374 nationally on health and #125 of 243 in California. Its net worth ratio is 31.87% and its delinquency rate 0.06%.
How does Sunkist Employees compare to other credit unions?
Sunkist Employees scores 84/100, higher than 50% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is net worth ratio (31.87% vs 19.06%). Its widest shortfall is loan-to-share ratio (40.98% vs 63.60%).
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?
Sunkist Employees 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. Sunkist Employees's net worth ratio of 31.87% 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.