Federal credit union · Ontario, California · NCUA charter #14542
VIDA
Health score 91/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 91
- Health / 100
- $170.5M
- Total assets
- 10,117
- Members
- 13.8%
- Net-worth ratio
VIDA scores 91/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $170.5M; members 10,117; net-worth ratio 13.79%; health rank #920 of 4,374; healthier than 77th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#920 of 4,374 health · 2025Q4VIDA · health 91/100 · $170.5M · 2025Q4
Call Report peers
VIDA in the assets neighbourhood
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VIDA vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); VIDA sits in 90-94 with 747 others.
91 Top 23% higher than 77% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Where VIDA diverges from peer averages
- Net Worth Ratio leads the peer set - 13.79% here, 12.11% peer average (+1.68 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -14.90 pp (57.30% vs 72.20%).
Where VIDA sits in California
- Health composite ranks #56 of 243 among scored California credit unions.
- California assets place: #128 of 243.
- Member book place in California: #124 of 243.
- One place up in California, MOKELUMNE (#55) ties at 91/100; one place down, Priority One (#57) ties at 91/100.
Quarter path for VIDA
VIDA: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.2% from $170.5M (2025Q4) to $172.7M (2026Q1).
- Net-worth ratio shifted -0.04 pp (13.83% → 13.79%).
At 13.79%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 91/100 score is built
VIDA gives up 9 points in total. Member Growth costs the most, 5.8 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 9.2 pts
- Loan-to-Share Ratio 11.8 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.79% | +1.68 pp |
| Delinquency Rate | 0.16% | -0.73 pp |
| Return on Assets | 2.26% | +1.64 pp |
| Member Growth | 0.15% | - |
| Loan-to-Share Ratio | 57.30% | -14.90 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
VIDA quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $172.7M | - |
| 2025Q4 | $170.5M | 10,117 |
| 2024Q4 | $165.9M | 10,102 |
| 2023Q4 | $157.2M | 9,819 |
Credit Union Details
- Charter Number
- 14542
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- California
- City
- Ontario
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, VIDA runs one office.
| Office | City |
|---|---|
| Vida FCU (Main Office) | Ontario, CA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in California
More federally-insured credit unions based in California, ordered by peer group match and asset size.
Nationwide credit unions with similar profiles
Similar total assets
Using this data
- VIDA ranks #920 of 4,374 nationally on financial health and #56 of 243 in CA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- E-CENTRAL is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with E-CENTRAL
Frequently Asked Questions
Is VIDA financially healthy?
VIDA has a financial health score of 91/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #920 of 4,374 nationally on health and #56 of 243 in California. Its net worth ratio is 13.79% and its delinquency rate 0.16%.
How does VIDA compare to other credit unions?
VIDA scores 91/100, higher than 77% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is net worth ratio (13.79% vs 12.11%). Its widest shortfall is loan-to-share ratio (57.30% vs 72.20%).
How can I join VIDA?
VIDA 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 VIDA directly for the exact boundaries and application steps.
Is my money safe at VIDA?
VIDA 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. VIDA's net worth ratio of 13.79% 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.