State credit union · LOS ANGELES, California · NCUA charter #68493
Water and Power Community
Health score 82/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 82
- Health / 100
- $971.4M
- Total assets
- 44,895
- Members
- 8.2%
- Net-worth ratio
Water and Power Community - Share Insurance Coverage
Charter #68493'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.
Water and Power Community - Five Health Pillars
Every bar shows this credit union's 0-100 sub-score for one pillar of the composite; weight and add the five and you land on the headline health score above, drawn from the same NCUA 5300 figures with no normalisation tricks.
- Capital (net worth ratio)85
- Asset quality (delinquency)91
- Earnings (ROA)63
- Member growth63
- Liquidity (loan-to-share)100
Weighted composite: 82/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 8.15% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 8.15% | 30% |
| Delinquency Rate | 0.72% | 25% |
| Return on Assets | 0.13% | 15% |
| Member Growth | 0.34% | 15% |
| Loan-to-Share Ratio | 86.76% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Water and Power Community
Water and Power Community is a state credit union headquartered in LOS ANGELES, California, serving 44,895 members with $971.4M in total assets and $703.8M in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 82/100 (Excellent), anchored by a net worth ratio of 8.15% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #68493 operates under peer group Over $500M, a cohort of 749 similarly-sized institutions.
Deposits deployed into lending sit at a 86.76% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Loan quality, meanwhile, shows 0.72% of the book 60+ days past due - the peer group average for Over $500M credit unions sits at 0.874%, so this institution is running tighter than peers. Return on assets stands at 0.13% on net income of $1.3M 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 0.34%. These figures come from the 2025Q4 NCUA 5300 Call Report, filed on a quarterly cadence. The stated field of membership (currently: Other) governs who can join. Before opening an account or borrowing, see our disclaimer for NCUSIF deposit-insurance coverage and how to use this data.
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 Water and Power Community financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Water and Power Community carries a financial health score of 82/100 (Excellent). On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 8.15% net worth ratio and a 0.72% delinquency rate.
How does Water and Power Community compare to other credit unions?
Water and Power Community scores 82/100 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 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?
Federal credit unions like Water and Power Community 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. Water and Power Community's net worth ratio of 8.15% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Water and Power Community offer compared to banks?
Credit unions like Water and Power Community 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 Water and Power Community 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.