Federal credit union · Woodland, California · NCUA charter #9293
YOLO
Health score 99/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 99
- Health / 100
- $406.7M
- Total assets
- 23,186
- Members
- 12.5%
- Net-worth ratio
YOLO scores 99/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $406.7M; members 23,186; net-worth ratio 12.50%; health rank #53 of 4,374; healthier than 98th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#53 of 4,374 health · 2025Q4YOLO · health 99/100 · $406.7M · 2025Q4
Call Report peers
YOLO in the assets neighbourhood
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YOLO vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); YOLO sits in 95-99 with 391 others.
99 Top 2% higher than 98% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Peer-gap read for YOLO
- Loan-to-Share Ratio leads the peer set - 85.92% here, 72.20% peer average (+13.72 pp).
- Return on Assets trails the peer set - 0.53% here, 0.62% peer average (-0.09 pp).
YOLO in California
- Health composite ranks #4 of 243 among scored California credit unions.
- California assets place: #94 of 243.
- Member book place in California: #96 of 243.
- One place up in California, SAFE (#3) scores 100/100, 1 point higher; one place down, MISSION (#5) ties at 99/100.
YOLO Call Report trajectory
YOLO: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.1% from $406.7M (2025Q4) to $411.0M (2026Q1).
- Net-worth ratio shifted -0.03 pp (12.53% → 12.50%).
At 12.50%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 99/100 score is built
YOLO gives up 1 points in total. Delinquency Rate costs the most, 1 of its 25; Net Worth Ratio and Return on Assets and Member Growth and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 24.0 pts
- Return on Assets 15.0 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 15.0 pts
YOLO health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.50% | +0.39 pp |
| Delinquency Rate | 0.60% | -0.30 pp |
| Return on Assets | 0.53% | -0.09 pp |
| Member Growth | 5.26% | - |
| Loan-to-Share Ratio | 85.92% | +13.72 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
YOLO quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $411.0M | - |
| 2025Q4 | $406.7M | 23,186 |
| 2024Q4 | $394.9M | 22,027 |
| 2023Q4 | $426.5M | 22,190 |
Credit Union Details
- Charter Number
- 9293
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- California
- City
- Woodland
- Data Quarter
- 2025Q4
Branch Locations (5)
Per its most recent NCUA branch filing, YOLO runs 5 offices in 4 different cities.
| Office | City |
|---|---|
| Woodland (Main Office) | Woodland, CA |
| Davis | Davis, CA |
| West Sac | W Sacramento, CA |
| Winters | Winters, CA |
| Sycamore | Woodland, 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.
Cross-state Call Report peers for YOLO
Using this data
- YOLO ranks #53 of 4,374 nationally on financial health and #4 of 243 in CA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Eagle Community is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Eagle Community
Frequently Asked Questions
Is YOLO financially healthy?
YOLO has a financial health score of 99/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #53 of 4,374 nationally on health and #4 of 243 in California. Its net worth ratio is 12.50% and its delinquency rate 0.60%.
How does YOLO compare to other credit unions?
YOLO scores 99/100, higher than 98% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (85.92% vs 72.20%). Its widest shortfall is return on assets (0.53% vs 0.62%).
How can I join YOLO?
YOLO 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 YOLO directly for the exact boundaries and application steps.
Is my money safe at YOLO?
YOLO 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. YOLO's net worth ratio of 12.50% 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.