State credit union · Ventura, California · NCUA charter #68458
Ventura County
Health score 85/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 85
- Health / 100
- $1.45B
- Total assets
- 78,197
- Members
- 10.0%
- Net-worth ratio
Ventura County scores 85/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.45B; members 78,197; net-worth ratio 10.04%; health rank #2,005 of 4,374; healthier than 54th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#2,005 of 4,374 health · 2025Q4Ventura County · health 85/100 · $1.45B · 2025Q4
Call Report peers
Ventura County in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Ventura County vs every NCUA-scored credit union
Ventura County sits in the busiest band, 85-89, alongside 857 other credit unions.
85 Top 46% higher than 54% 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
Ventura County vs Over $500M peers
- Largest favorable gap: Return on Assets at 0.81% vs peer 0.51% (+0.31 pp).
- Loan-to-Share Ratio trails the peer set - 78.34% here, 83.90% peer average (-5.56 pp).
Ventura County: in-state Call Report ranks
- Health composite ranks #120 of 243 among scored California credit unions.
- By total assets, Ventura County is #47 of 243 in California.
- California membership ordinal: #45 of 243.
- One place up in California, UPWARD (#119) ties at 85/100; one place down, CALIFORNIA (#121) ties at 85/100.
How Ventura County's 5300 filing moved
Ventura County: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.5% from $1.45B (2025Q4) to $1.47B (2026Q1).
- Net-worth ratio shifted +0.18 pp (9.86% → 10.04%).
At 10.04%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 85/100 score is built
Ventura County gives up 15 points in total. Delinquency Rate costs the most, 10.9 of its 25; Net Worth Ratio and Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 14.1 pts
- Return on Assets 15.0 pts
- Member Growth 11.3 pts
- Loan-to-Share Ratio 14.6 pts
Call Report ratios for Ventura County
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.04% | -1.14 pp |
| Delinquency Rate | 1.78% | +0.91 pp |
| Return on Assets | 0.81% | +0.31 pp |
| Member Growth | 1.95% | - |
| Loan-to-Share Ratio | 78.34% | -5.56 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.47B | - |
| 2025Q4 | $1.45B | 78,197 |
| 2024Q4 | $1.42B | 76,698 |
| 2023Q4 | $1.35B | 75,328 |
Credit Union Details
- Charter Number
- 68458
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- California
- City
- Ventura
- Data Quarter
- 2025Q4
Branch Locations (9)
Ventura County operates 9 offices across 7 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Ocean View (Main Office) | Ventura, CA |
| Camarillo Branch | Camarillo, CA |
| Moorpark Branch | Moorpark, CA |
| Oxnard Branch | Oxnard, CA |
| Riverpark Branch | Oxnard, CA |
| Port Hueneme Branch | Port Hueneme, CA |
| Simi Valley Branch | Simi Valley, CA |
| Thousand Oaks Branch | Thousand Oaks, CA |
| Ventura Branch | Ventura, 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.
Ventura County nationwide neighbourhoods
Using this data
- Ventura County ranks #2,005 of 4,374 nationally on financial health and #120 of 243 in CA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- San Francisco is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with San Francisco
Frequently Asked Questions
Is Ventura County financially healthy?
On its 2025Q4 NCUA 5300 filing, Ventura County scores 85/100 (Excellent), with a 10.04% net worth ratio and 1.78% of loans delinquent. It ranks #2,005 of 4,374 nationally on health and #120 of 243 in California.
How does Ventura County compare to other credit unions?
Ventura County scores 85/100, higher than 54% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is return on assets (0.81% vs 0.51%). Its widest shortfall is loan-to-share ratio (78.34% vs 83.90%).
How can I join Ventura County?
Membership eligibility for Ventura County depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Ventura County directly for current membership requirements and application steps.
Is my money safe at Ventura County?
Ventura County is a state-chartered 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. Ventura County's net worth ratio of 10.04% 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.