Federal credit union · Torrance, California · NCUA charter #12543
Torrance Community
Health score 93/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 93
- Health / 100
- $161.0M
- Total assets
- 8,034
- Members
- 10.2%
- Net-worth ratio
Torrance Community scores 93/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $161.0M; members 8,034; net-worth ratio 10.21%; health rank #676 of 4,374; healthier than 84th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#676 of 4,374 health · 2025Q4Torrance Community · health 93/100 · $161.0M · 2025Q4
- CAMELS 93/100
- HEALTH 10.2%
- NW 0.10%
- DELQ 0.62%
- ROA $161.0M
- ASSETS 8,034
- MEM #676/4,374
- RANK WYMAR
- PHOTO 12543
Call Report peers
Torrance Community in the assets neighbourhood
Torrance Community's $161.0M assets sit next to WYMAR ($161.2M) 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.
Torrance Community 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
93 Top 16% higher than 84% 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
Torrance Community - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #12543, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Torrance Community vs $100M–$500M peers
- Delinquency Rate leads the peer set - 0.10% here, 0.89% peer average (-0.79 pp).
- Loan-to-Share Ratio trails the peer set - 45.81% here, 72.20% peer average (-26.39 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Torrance Community sits in California
- California health ordinal: #44 of 243.
- By total assets, Torrance Community is #130 of 243 in California.
- California membership ordinal: #133 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.
Torrance Community Call Report trajectory
Torrance Community: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -0.6% from $161.0M (2025Q4) to $160.0M (2026Q1).
- Net-worth ratio shifted +0.21 pp (10.00% → 10.21%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
10.21% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 93/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 93.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 12.4 pts
- Loan-to-Share Ratio 10.6 pts
Call Report ratios for Torrance Community
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.21% | -1.90 pp |
| Delinquency Rate | 0.10% | -0.79 pp |
| Return on Assets | 0.62% | +0.00 pp |
| Member Growth | 2.87% | - |
| Loan-to-Share Ratio | 45.81% | -26.39 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).
Torrance Community quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $160.0M | - |
| 2025Q4 | $161.0M | 8,034 |
| 2024Q4 | $152.7M | 7,810 |
| 2023Q4 | $169.7M | 7,645 |
Credit Union Details
- Charter Number
- 12543
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- California
- City
- Torrance
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, Torrance Community runs one office.
| Office | City |
|---|---|
| Headquarters (Main Office) | Torrance, CA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in California
Other federally-insured credit unions in California, closest first by peer group and asset size.
Nationwide credit unions with similar profiles
Torrance Community's nationwide photo peers by assets and by health score, excluding California charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($161.0M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (93/100 here).
Using this data
- Torrance Community ranks #676 of 4,374 nationally on financial health and #44 of 243 in CA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- KINGS is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with KINGS
- 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 Torrance Community financially healthy?
Torrance Community has a financial health score of 93/100 (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 #676 of 4,374; by total assets it ranks #1,444 of 4,374 nationally (same basis as /rankings/largest); and #130 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 10.21% and delinquency rate of 0.10%.
How does Torrance Community compare to other credit unions?
On PlainCU's health composite, Torrance Community lands at 93/100, compared to a peer group average for $100M–$500M 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 Torrance Community?
Torrance Community 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 Torrance Community directly for the exact boundaries and application steps.
Is my money safe at Torrance Community?
Federal credit unions like Torrance Community 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. Torrance Community's net worth ratio of 10.21% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Torrance Community offer compared to banks?
Credit unions like Torrance Community 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 Torrance Community 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.