Federal credit union · Tulare, California · NCUA charter #3218
Tulare County
Health score 90/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 90
- Health / 100
- $150.2M
- Total assets
- 11,119
- Members
- 7.2%
- Net-worth ratio
Tulare County scores 90/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $150.2M; members 11,119; net-worth ratio 7.25%; health rank #1,175 of 4,374; healthier than 73rd of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#1,175 of 4,374 health · 2025Q4Tulare County · health 90/100 · $150.2M · 2025Q4
- NW 90/100
- DELQ 7.2%
- ROA 0.64%
- ASSETS 0.40%
- MEM $150.2M
- RANK 11,119
- PHOTO #1,175/4,374
- BOOK ARC
- CHARTER 3218
Call Report peers
Tulare County in the assets neighbourhood
Tulare County's $150.2M assets sit next to ARC ($150.2M) 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.
Tulare County 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
Tulare County - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #3218. See our deposit-insurance coverage note.
Tulare County vs $100M–$500M peers
- Strongest edge vs 1069 $100M–$500M peers is Loan-to-Share Ratio: +5.07 pp (77.27% vs 72.20%).
- Net Worth Ratio trails the peer set - 7.25% here, 12.11% peer average (-4.86 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Tulare County in California
- In California, health place is #73 of 243 on the same NCUA-ratio sort used nationally.
- Assets rank #135 of 243 inside California ($150.2M reported).
- Membership ranks #120 of 243 among California CUs with a reported count (11,119 members).
In-state ordinals use the live credit_unions table for CA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Tulare County: 2025Q4 → 2026Q1
Tulare County: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +4.2% from $150.2M (2025Q4) to $156.6M (2026Q1).
- Net-worth ratio shifted -0.13 pp (7.38% → 7.25%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
7.25% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action 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 23.1 pts
- Delinquency Rate 23.6 pts
- Return on Assets 13.5 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 14.8 pts
Call Report ratios for Tulare County
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 7.25% | -4.86 pp |
| Delinquency Rate | 0.64% | -0.25 pp |
| Return on Assets | 0.40% | -0.22 pp |
| Member Growth | 5.38% | - |
| Loan-to-Share Ratio | 77.27% | +5.07 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).
Call Report history - Tulare County
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $156.6M | - |
| 2025Q4 | $150.2M | 11,119 |
| 2024Q4 | $136.1M | 10,551 |
| 2023Q4 | $129.3M | 10,432 |
Credit Union Details
- Charter Number
- 3218
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- California
- City
- Tulare
- Data Quarter
- 2025Q4
Branch Locations (5)
The NCUA branch filing lists 5 physical offices for Tulare County, spread across 3 cities.
| Office | City |
|---|---|
| Tulare Corporate Branch (Main Office) | Tulare, CA |
| Porterville Branch | Porterville, CA |
| PHS Academy | Porterville, CA |
| Rancho Office | Visalia, CA |
| Mooney Branch | Visalia, 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 Tulare County
Two NCUA Call Report peer sets for Tulare County, both outside California so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($150.2M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (90/100 here).
Using this data
- Tulare County ranks #1,175 of 4,374 nationally on financial health and #73 of 243 in CA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- San Diego Firefighters is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with San Diego Firefighters
- 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 Tulare County financially healthy?
Tulare County scores 90/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,175 of 4,374; by total assets it ranks #1,487 of 4,374 nationally (same basis as /rankings/largest); and #135 of 243 within California. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 7.25% net worth ratio and a 0.64% delinquency rate.
How does Tulare County compare to other credit unions?
On PlainCU's health composite, Tulare County lands at 90/100, 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 Tulare County?
Tulare County 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 Tulare County directly for the exact boundaries and application steps.
Is my money safe at Tulare County?
Federal credit unions like Tulare County 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. Tulare County's net worth ratio of 7.25% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Tulare County offer compared to banks?
Credit unions like Tulare County 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 Tulare County 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.