State credit union · SAN DIEGO, California · NCUA charter #61003
WHEELHOUSE
Health score 83/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 83
- Health / 100
- $448.1M
- Total assets
- 32,353
- Members
- 8.3%
- Net-worth ratio
WHEELHOUSE scores 83/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $448.1M; members 32,353; net-worth ratio 8.28%; health rank #2,356 of 4,374; healthier than 46th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#2,356 of 4,374 health · 2025Q4WHEELHOUSE · health 83/100 · $448.1M · 2025Q4
Call Report peers
WHEELHOUSE in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
WHEELHOUSE vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); WHEELHOUSE sits in 80-84 with 767 others.
83 46th percentile higher than 46% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
WHEELHOUSE: Call Report deltas vs peers
- Loan-to-Share Ratio leads the peer set - 94.13% here, 72.20% peer average (+21.93 pp).
- Net Worth Ratio trails the peer set - 8.28% here, 12.11% peer average (-3.83 pp).
WHEELHOUSE in California
- In California, health place is #142 of 243 on the same NCUA-ratio sort used nationally.
- Assets rank #89 of 243 inside California ($448.1M reported).
- Membership ranks #82 of 243 among California CUs with a reported count (32,353 members).
- One place up in California, Financial Partners (#141) ties at 83/100; one place down, COASTHILLS (#143) ties at 83/100.
WHEELHOUSE Call Report trajectory
WHEELHOUSE: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.9% from $448.1M (2025Q4) to $456.8M (2026Q1).
- Net-worth ratio shifted -0.11 pp (8.39% → 8.28%).
This credit union's 8.28% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 83/100 score is built
WHEELHOUSE gives up 17 points in total. Return on Assets costs the most, 5.5 of its 15; Delinquency Rate scores full marks.
- Net Worth Ratio 25.7 pts
- Delinquency Rate 25.0 pts
- Return on Assets 9.5 pts
- Member Growth 9.8 pts
- Loan-to-Share Ratio 13.0 pts
Call Report ratios for WHEELHOUSE
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.28% | -3.83 pp |
| Delinquency Rate | 0.03% | -0.86 pp |
| Return on Assets | 0.13% | -0.49 pp |
| Member Growth | 0.66% | - |
| Loan-to-Share Ratio | 94.13% | +21.93 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Call Report history - WHEELHOUSE
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $456.8M | - |
| 2025Q4 | $448.1M | 32,353 |
| 2024Q4 | $441.6M | 32,140 |
| 2023Q4 | $435.6M | 32,434 |
Credit Union Details
- Charter Number
- 61003
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- California
- City
- SAN DIEGO
- Data Quarter
- 2025Q4
Branch Locations (5)
WHEELHOUSE operates 5 offices across 3 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Kearny (Main Office) | San Diego, CA |
| Chula Vista | Chula Vista, CA |
| El Cajon | El Cajon, CA |
| Downtown | San Diego, CA |
| Kearny Mesa | San Diego, CA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in California
Other federally-insured credit unions in California, closest first by peer group and asset size.
Other-state peers near WHEELHOUSE
Similar total assets
Using this data
- WHEELHOUSE ranks #2,356 of 4,374 nationally on financial health and #142 of 243 in CA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- GAIN is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with GAIN
Frequently Asked Questions
Is WHEELHOUSE financially healthy?
On its 2025Q4 NCUA 5300 filing, WHEELHOUSE scores 83/100 (Excellent), with a 8.28% net worth ratio and 0.03% of loans delinquent. It ranks #2,356 of 4,374 nationally on health and #142 of 243 in California.
How does WHEELHOUSE compare to other credit unions?
WHEELHOUSE scores 83/100, higher than 46% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (94.13% vs 72.20%). Its widest shortfall is net worth ratio (8.28% vs 12.11%).
How can I join WHEELHOUSE?
Membership eligibility for WHEELHOUSE depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact WHEELHOUSE directly for current membership requirements and application steps.
Is my money safe at WHEELHOUSE?
WHEELHOUSE 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. WHEELHOUSE's net worth ratio of 8.28% 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.