State credit union · LOS ANGELES, California · NCUA charter #68493
Water and Power Community
Health score 85/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 85
- Health / 100
- $971.4M
- Total assets
- 44,895
- Members
- 9.2%
- Net-worth ratio
Water and Power Community scores 85/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $971.4M; members 44,895; net-worth ratio 9.17%; health rank #2,018 of 4,374; healthier than 54th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#2,018 of 4,374 health · 2025Q4Water and Power Community · health 85/100 · $971.4M · 2025Q4
Call Report peers
Water and Power Community in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Water and Power Community vs every NCUA-scored credit union
Water and Power Community 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
Peer-gap read for Water and Power Community
- Largest favorable gap: Loan-to-Share Ratio at 86.76% vs peer 83.90% (+2.86 pp).
- Widest shortfall vs peers is Net Worth Ratio: -2.01 pp (9.17% vs 11.18%).
Where Water and Power Community sits in California
- California health ordinal: #122 of 243.
- Assets rank #66 of 243 inside California ($971.4M reported).
- California membership ordinal: #73 of 243.
- One place up in California, CALIFORNIA (#121) ties at 85/100; one place down, Valley Strong (#123) ties at 85/100.
Water and Power Community: 2025Q4 → 2026Q1
Water and Power Community: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.0% from $971.4M (2025Q4) to $990.8M (2026Q1).
- Net-worth ratio shifted -0.01 pp (9.18% → 9.17%).
This credit union's 9.17% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 85/100 score is built
Water and Power Community gives up 15 points in total. Member Growth costs the most, 5.6 of its 15; Loan-to-Share Ratio scores full marks.
- Net Worth Ratio 27.9 pts
- Delinquency Rate 22.8 pts
- Return on Assets 9.5 pts
- Member Growth 9.4 pts
- Loan-to-Share Ratio 15.4 pts
Water and Power Community vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.17% | -2.01 pp |
| Delinquency Rate | 0.72% | -0.15 pp |
| Return on Assets | 0.13% | -0.37 pp |
| Member Growth | 0.34% | - |
| Loan-to-Share Ratio | 86.76% | +2.86 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
Call Report history - Water and Power Community
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $990.8M | - |
| 2025Q4 | $971.4M | 44,895 |
| 2024Q4 | $944.7M | 44,744 |
| 2023Q4 | $971.9M | 44,861 |
Credit Union Details
- Charter Number
- 68493
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- California
- City
- LOS ANGELES
- Data Quarter
- 2025Q4
Branch Locations (5)
Per its most recent NCUA branch filing, Water and Power Community runs 5 offices in 3 different cities.
| Office | City |
|---|---|
| Water and Power Community Credit Union (Main Office) | Los Angeles, CA |
| Northridge/Granada Hills Branch | Granada Hills, CA |
| Sunset Branch | Los Angeles, CA |
| Hope Street Branch | Los Angeles, CA |
| Westchester Branch | Westchester, 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.
Water and Power Community nationwide neighbourhoods
Using this data
- Water and Power Community ranks #2,018 of 4,374 nationally on financial health and #122 of 243 in CA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- ALTAONE is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with ALTAONE
Frequently Asked Questions
Is Water and Power Community financially healthy?
Water and Power Community has a financial health score of 85/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,018 of 4,374 nationally on health and #122 of 243 in California. Its net worth ratio is 9.17% and its delinquency rate 0.72%.
How does Water and Power Community compare to other credit unions?
Water and Power Community 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 loan-to-share ratio (86.76% vs 83.90%). Its widest shortfall is net worth ratio (9.17% vs 11.18%).
How can I join Water and Power Community?
Membership eligibility for Water and Power Community depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Water and Power Community directly for current membership requirements and application steps.
Is my money safe at Water and Power Community?
Water and Power Community 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. Water and Power Community's net worth ratio of 9.17% 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.