State credit union · Burbank, California · NCUA charter #64893
Universal City Studios
Health score 63/100 (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 63
- Health / 100
- $71.2M
- Total assets
- 5,287
- Members
- 8.8%
- Net-worth ratio
Universal City Studios - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #64893: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Universal City Studios - Five Health Pillars
The five bars below are this credit union's pillar-level 0-100 sub-scores. Sum the weighted pillars and you get the headline health score above - same NCUA 5300 data, no normalisation tricks applied.
- Capital (net worth ratio)90
- Asset quality (delinquency)69
- Earnings (ROA)21
- Member growth0
- Liquidity (loan-to-share)100
Weighted composite: 63/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
8.82% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 8.82% | 30% |
| Delinquency Rate | 1.35% | 25% |
| Return on Assets | -0.16% | 15% |
| Member Growth | -8.50% | 15% |
| Loan-to-Share Ratio | 76.64% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $71.2M | 5,287 |
| 2024Q4 | $74.0M | 5,778 |
| 2023Q4 | $76.7M | 5,763 |
Credit Union Details
- Charter Number
- 64893
- Type
- State
- Field of Membership
- Other
- Peer Group
- $50M–$100M
- State
- California
- City
- Burbank
- Data Quarter
- 2025Q4
What This Data Says About Universal City Studios
Charter #64893, peer group $50M–$100M, a cohort of 584 similarly-sized institutions: that's Universal City Studios, a state credit union in Burbank, California with 5,287 members, $71.2M in total assets, and $49.7M in outstanding loans as of Q4 2025. The five-factor composite scores it 63/100 (Good), helped by a net worth ratio of 8.82% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules.
Loan book quality rounds out the picture. The delinquency rate of 1.35% measures loans 60+ days past due against total loans outstanding - the peer group average for $50M–$100M credit unions sits at 0.963%, so this institution is running looser than peers. The loan-to-share ratio of 76.64% indicates how aggressively member deposits are being deployed into lending, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at -0.16% on net income of $-112457 for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -8.50%. The quarterly NCUA 5300 Call Report is the source for everything above, current through 2025Q4. Field of membership (currently: Other) decides eligibility to join. NCUSIF deposit-insurance coverage and usage guidance for this data live on our disclaimer page.
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.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Universal City Studios financially healthy?
Yes/no aside, the number is 63/100 (Good) - Universal City Studios's financial health score from the NCUA 5300 Call Report, Q4 2025. Above 80 reads excellent, below 50 warrants closer monitoring; a 8.82% net worth ratio and 1.35% delinquency rate are the key drivers.
How does Universal City Studios compare to other credit unions?
Universal City Studios scores 63/100 on PlainCU's health composite, compared to a peer group average for $50M–$100M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (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 Universal City Studios?
Membership eligibility for Universal City Studios depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Universal City Studios directly for current membership requirements and application steps.
Is my money safe at Universal City Studios?
Federal credit unions like Universal City Studios 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. Universal City Studios's net worth ratio of 8.82% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Universal City Studios offer compared to banks?
Credit unions like Universal City Studios 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 Universal City Studios directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
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.