Federal credit union · VISALIA, California · NCUA charter #5718
TUCOEMAS
Health score 86/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 86
- Health / 100
- $338.2M
- Total assets
- 25,038
- Members
- 9.4%
- Net-worth ratio
TUCOEMAS scores 86/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $338.2M; members 25,038; net-worth ratio 9.39%; health rank #1,857 of 4,374; healthier than 57th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#1,857 of 4,374 health · 2025Q4TUCOEMAS · health 86/100 · $338.2M · 2025Q4
Call Report peers
TUCOEMAS in the assets neighbourhood
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TUCOEMAS vs every NCUA-scored credit union
TUCOEMAS sits in the busiest band, 85-89, alongside 857 other credit unions.
86 Top 43% higher than 57% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Peer-gap read for TUCOEMAS
- Loan-to-Share Ratio trails the peer set - 51.73% here, 72.20% peer average (-20.47 pp).
TUCOEMAS: in-state Call Report ranks
- Health composite ranks #109 of 243 among scored California credit unions.
- California assets place: #104 of 243.
- Member book place in California: #92 of 243.
- One place up in California, Delta Schools (#108) ties at 86/100; one place down, KAIPERM (#110) ties at 86/100.
TUCOEMAS: 2025Q4 → 2026Q1
TUCOEMAS: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -0.4% from $338.2M (2025Q4) to $336.9M (2026Q1).
- Net-worth ratio shifted +0.20 pp (9.19% → 9.39%).
9.39% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 86/100 score is built
TUCOEMAS gives up 14 points in total. Delinquency Rate costs the most, 6.1 of its 25; Return on Assets scores full marks.
- Net Worth Ratio 28.5 pts
- Delinquency Rate 18.9 pts
- Return on Assets 15.0 pts
- Member Growth 13.2 pts
- Loan-to-Share Ratio 10.4 pts
TUCOEMAS vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.39% | -2.72 pp |
| Delinquency Rate | 1.15% | +0.25 pp |
| Return on Assets | 0.55% | -0.07 pp |
| Member Growth | 3.50% | - |
| Loan-to-Share Ratio | 51.73% | -20.47 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $336.9M | - |
| 2025Q4 | $338.2M | 25,038 |
| 2024Q4 | $306.3M | 24,192 |
| 2023Q4 | $354.8M | 29,303 |
Credit Union Details
- Charter Number
- 5718
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- California
- City
- VISALIA
- Data Quarter
- 2025Q4
Branch Locations (6)
TUCOEMAS operates 6 offices across 3 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Cypress (Main Office) | Visalia, CA |
| Porterville | Porterville, CA |
| Tulare | Tulare, CA |
| Center | Visalia, CA |
| Akers Branch | Visalia, CA |
| Savemart | Visalia, 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.
Cross-state Call Report peers for TUCOEMAS
Using this data
- TUCOEMAS ranks #1,857 of 4,374 nationally on financial health and #109 of 243 in CA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- STRATA is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with STRATA
Frequently Asked Questions
Is TUCOEMAS financially healthy?
On its 2025Q4 NCUA 5300 filing, TUCOEMAS scores 86/100 (Excellent), with a 9.39% net worth ratio and 1.15% of loans delinquent. It ranks #1,857 of 4,374 nationally on health and #109 of 243 in California.
How does TUCOEMAS compare to other credit unions?
TUCOEMAS scores 86/100, higher than 57% of the 4,374 scored credit unions. Its widest shortfall is loan-to-share ratio (51.73% vs 72.20%).
How can I join TUCOEMAS?
TUCOEMAS 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 TUCOEMAS directly for the exact boundaries and application steps.
Is my money safe at TUCOEMAS?
TUCOEMAS 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. TUCOEMAS's net worth ratio of 9.39% 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.