Credit Union Safety Analysis
Is Water and Power Community Credit Union Safe? Los Angeles, California
Based on its Q2 2026 NCUA 5300 call report, Water and Power Community Credit Union has a net worth ratio of 10.19%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.61%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Water and Power Community Credit Union's net worth ratio is 10.19%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 10.19%
- Delinquency ratio (60+ days) (Q2 2026): 0.61%
- Return on assets (Q2 2026): 1.98%
- Loan-to-share ratio (Q2 2026): 83.85%
Water and Power Community Credit Union (NCUA charter 68493, established 1936) reported $1.02B in assets and 44,471 members for Q2 2026 from Los Angeles, California. It ranks 66 of 238 credit unions in California by total assets. Total assets grew 6.6% from $957.0M on June 30, 2025. It has 327 fewer members than on June 30, 2025 (-0.7%). Its net worth ratio was up 0.95 percentage points from 9.24% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $402.5M of $692.7M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.61% is below the 0.68% median of the 454 credit unions with $1B to $10B in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 454 credit unions with $1B to $10B in assets: 10.89%; middle half of peers: 9.81% to 12.63%.
Earlier filings: 9.17% for Q1 2026; 9.24% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.68%; middle half of peers: 0.45% to 1.05%.
Earlier filings: 0.59% for Q1 2026; 0.79% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.89%; middle half of peers: 0.59% to 1.25%.
Earlier filings: 0.67% for Q1 2026; 0.73% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 88.03%; middle half of peers: 78.23% to 95.19%.
Earlier filings: 83.79% for Q1 2026; 83.84% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $402.5M
- Other secured non-real estate loans and lines of credit: $169.4M
- Used vehicle loans: $54.4M
- Other unsecured loans and lines of credit: $41.4M
- New vehicle loans: $24.9M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $1.02B | 10.19% | 0.61% | 1.98% | 83.85% |
| March 31, 2026 | $990.8M | 9.17% | 0.59% | 0.67% | 83.79% |
| December 31, 2025 | $971.4M | 9.18% | 0.72% | 0.61% | 86.76% |
| September 30, 2025 | $1.00B | 8.97% | 0.81% | 0.56% | 84.93% |
| June 30, 2025 | $957.0M | 9.24% | 0.79% | 0.73% | 83.84% |
| March 31, 2025 | $980.9M | 8.84% | 0.95% | 0.22% | 81.22% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Water and Power Community Credit Union profile
Regulator records: NCUA credit union profile (charter 68493) · FFIEC NIC profile (RSSD 425993)
Frequently asked questions
Is Water and Power Community Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Water and Power Community Credit Union's net worth ratio is 10.19%, above the 7% NCUA threshold for well capitalized.
Is Water and Power Community Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Water and Power Community Credit Union is a federally insured credit union (NCUA charter 68493): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Water and Power Community Credit Union's key safety ratios?
For Q2 2026, Water and Power Community Credit Union reports net worth 10.19%, delinquency 0.61%, ROA 1.98%, loan-to-share 83.85%.
What happens to my money if Water and Power Community Credit Union fails?
For Q2 2026, Water and Power Community Credit Union held $826.2M in shares and deposits for 44,471 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.