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
- PHOTO 85/100
- BOOK 10.0%
- CHARTER 1.78%
- NCUSIF 0.81%
- CAMELS $1.45B
- HEALTH 78,197
- NW #2,005/4,374
- DELQ First Florida
- ROA 68458
Call Report peers
Ventura County in the assets neighbourhood
Ventura County's $1.45B assets sit next to First Florida ($1.45B) 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.
Ventura 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
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 - Share Insurance Coverage
Charter #68458's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
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).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for CA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How Ventura County's 5300 filing moved
Ventura County: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.5% from $1.45B (2025Q4) to $1.47B (2026Q1).
- Net-worth ratio shifted +0.18 pp (9.86% → 10.04%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 85.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
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
Cross-state asset and health neighbours for Ventura County - kept outside California; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($1.45B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (85/100 here).
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
- 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 Ventura County financially healthy?
Ventura County has a financial health score of 85/100 (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 #2,005 of 4,374; by total assets it ranks #340 of 4,374 nationally (same basis as /rankings/largest); and #47 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 10.04% and delinquency rate of 1.78%.
How does Ventura County compare to other credit unions?
Ventura County scores 85/100 on PlainCU's health composite, compared to a peer group average for Over $500M 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 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?
Federal credit unions like Ventura 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. Ventura County's net worth ratio of 10.04% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Ventura County offer compared to banks?
Credit unions like Ventura 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 Ventura 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.