State overview · Q4 2025

California Credit Unions

All 243 federally-insured credit unions in California, ranked by financial health, from NCUA 5300 Call Reports.

243
Credit unions
14.4M
Members
$304.1B
Combined assets
83/100
Avg health
243 CUs · avg health 83/100

California has 243 federally insured credit unions averaging 83/100 health on NCUA 5300 Call Report aggregates. Combined assets $304.1B; 163 score Excellent (80+). State leader: Comunidad Latina at 100/100.

  • Mean delinquency rank #2 of 52 (lower DQ better)
  • Mean ROA rank #43 of 52
  • Data vintage 2026-09-06

California vs all states by credit-union count

Where this state's federally insured CU count sits among every state and D.C. on PlainCU

243 4th of 54 higher than 50 of 54 states

States and D.C., banded by federally insured credit-union count

Each bar is a band; taller bars hold more states. 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 · Q4 2025

Health-score distribution

How California's 243 credit unions split across the four health bands. Source: NCUA 5300 Call Report, Q4 2025.

Excellent (80–100)163 CUsGood (60–79)71 CUsFair (40–59)7 CUsWeak (<40)2 CUs

California Call Report quality, low mean delinquency cohort

Mean NCUA 5300 ratios across 243 federally insured credit unions in California, plus national ordinals among 52 jurisdictions with ≥5 scored charters. Registry figures only, not advice on where to bank.

Mean delinquency
0.73%
National rank #2 of 52 · lower DQ better
Mean ROA
0.44%
National rank #43 of 52
Mean loan-to-share
68.7%
Mean net worth 12.8% · well-capitalized (≥7%) 97.9%
Largest CU share of state assets
11.6%
Dispersed book, largest charter holds under 25% of combined California CU assets · concentration rank #5 of 52 (lower share = more dispersed) · largest by assets on this board: SCHOOLSFIRST

A national sample of U.S. jurisdictions' credit-union sectors, positioned by mean net worth ratio (capital cushion) against mean delinquency rate (asset quality). California is highlighted. The crosshair splits states at the MEDIAN net worth ratio (14.0%) and the median delinquency rate (1.20%) computed across all 52 scored jurisdictions, not just the 30 plotted here, and not a simple midpoint of the range.

California vs. a national sample of states' credit-union sectors

Mean net worth ratio and mean delinquency rate for federally insured credit unions, a sample of 30 of 52 scored U.S. jurisdictions, California highlighted. 2×2 strategic matrix plotting 30 entities by Net worth ratio (X) and Delinquency rate (Y), with a crosshair dividing the plot into four quadrants. Capitalized but RiskyWeakest PositionStrongest PositionLean but Clean 10%12%14%16%18% 0%0.5%1%1.5%2%2.5% Net worth ratio Delinquency rate California vs. a national sample of states' credit-union sectors AL - 16.25%, 1.743%AK - 11.69%, 0.876%AR - 16.34%, 1.809%CT - 13.48%, 1.48%DC - 14.99%, 2.364%FL - 12.31%, 0.745%HI - 13.78%, 1.224%IL - 15.55%, 1.098%IA - 15.09%, 1.429%KS - 14.31%, 1.456%LA - 17.25%, 1.888%MD - 13.25%, 1.269%MI - 12.62%, 0.909%MN - 13.98%, 0.886%MO - 11.87%, 1.299%NE - 13.77%, 1.06%NH - 11.15%, 0.746%NJ - 16.56%, 1.74%NY - 14.23%, 1.635%ND - 15.1%, 0.95%OK - 13.44%, 1.238%OR - 13.17%, 1.122%RI - 12.53%, 0.533%SD - 12.58%, 0.791%TX - 15.62%, 1.279%VI - 15.23%, 1.532%VT - 11.83%, 1.399%WA - 12.92%, 0.882%WI - 13.48%, 1.468%CA - 12.8%, 0.731%
Mean net worth ratio and mean delinquency rate for federally insured credit unions, a sample of 30 of 52 scored U.S. jurisdictions, California highlighted.

All Credit Unions in California

Credit Union Health
Comunidad Latina SANTA ANA 100
SAFE FOLSOM 100
Safe 1 BAKERSFIELD 100
ALTURA Riverside 99
BAY Capitola 99
I.L.W.U. Long Beach 99
MISSION San Diego 99
YOLO Woodland 99
FOOTHILL Arcadia 98
SACRAMENTO Sacramento 98
1st United Pleasanton 97
Families and Schools Together Hanford 97
NOVO Norco 97
Operating Engineers Local Union #3 LIVERMORE 97
Santa Maria Associated Employees Santa Maria 97
1st Northern California Martinez 96
CABRILLO San Diego 96
California Coast San Diego 96
Firefighters First Los Angeles 96
FRONTWAVE Oceanside 96
MONTERRA Redwood City 96
Pacific Service Concord 96
REDWOOD Santa Rosa 96
Santa Ana Santa Ana 96
STANFORD Palo Alto 96
STRATA BAKERSFIELD 96
CORRECTIONS Soledad 95
San Francisco San Francisco 95
SISKIYOU Yreka 95
Star One SUNNYVALE 95
The Golden 1 SACRAMENTO 95
Va Desert Pacific Long Beach 95
CHEVRON Concord 94
Educational Employees FRESNO 94
F & a MONTEREY PARK 94
NUVISION HUNTINGTON BEAC 94
Redlands City Employees Redlands 94
Smw 104 Livermore 94
United Association CONCORD 94
CAHP SACRAMENTO 93
Christian Community SAN DIMAS 93
El Monte Community El Monte 93
First City Pasadena 93
NOBLE Fresno 93
POPA Cerritos 93
SCHOOLSFIRST SANTA ANA 93
SESLOC SAN LUIS OBISPO 93
Torrance Community Torrance 93
American First BREA 92
Coast Central Eureka 92
KINGS Hanford 92
MIRASTAR San Jose 92
Modesto's First MODESTO 92
SCHOOLS Torrance 92
Desert Valleys Ridgecrest 91
Los Angeles Police Van Nuys 91
MOCSE Modesto 91
MOKELUMNE Lodi 91
Priority One South Pasadena 91
Sierra Central Yuba City 91
SONOMA Santa Rosa 91
TRAVIS VACAVILLE 91
VIDA Ontario 91
Fresno Grangers FRESNO 90
LOGIX Valencia 90
Long Beach Firemen S Long Beach 90
PATELCO Dublin 90
RIZE EL MONTE 90
San Joaquin Power Employees FRESNO 90
SRI MENLO PARK 90
Tulare County Tulare 90
Valley First Modesto 90
Wescom Central PASADENA 90
California Lithuanian Santa Monica 89
Central Valley Firefighters FRESNO 89
Chula Vista City Employees Chula Vista 89
Commonwealth Central San Jose 89
East County Schools EL CAJON 89
EDWARDS Edwards 89
ESCONDIDO Escondido 89
First California Fresno 89
Golden Valley Manteca 89
Merced School Employees MERCED 89
Santa Cruz Community Santa Cruz 89
Bakersfield City Employees BAKERSFIELD 88
Credit Union of Southern California Anaheim 88 †
Eagle Community Lake Forest 88
Employees Choice El Cajon 88
Greater Valley FRESNO 88
KEYPOINT San Jose 88
Lbs Financial Long Beach 88
Media City BURBANK 88
PASADENA Pasadena 88
PROVIDENT REDWOOD CITY 88
Santa Barbara County SANTA BARBARA 88
United Catholics COVINA 88
America's Christian Glendora 87
CLEARPATH Burbank 87
Olive View Employees SYLMAR 87
San Diego County San Diego 87
CORAZO El Centro 86
Delta Schools ANTIOCH 86
Diablo Valley Concord 86
F3 SAN JOSE 86
GLENDALE Glendale 86
Huntington Beach Huntington Beac 86
KAIPERM Walnut Creek 86
Matadors Community Northridge 86
PARTNERS Burbank 86
TUCOEMAS VISALIA 86
Union Yes ORANGE 86
CALIFORNIA GLENDALE 85 †
Delancey Street SAN FRANCISCO 85
First U.S. Community Sacramento 85
MERCO Merced 85
Mission City Santa Clara 85
Mojave Plant Employees MOJAVE 85
Rolling F TURLOCK 85
SAG-AFTRA Burbank 85
United Local Fresno 85
UPWARD Burlingame 85
Valley Strong BAKERSFIELD 85
Ventura County Ventura 85
Water and Power Community LOS ANGELES 85
Antioch Community Antioch 84
CERTIFIED El Monte 84
DOWNEY DOWNEY 84
E-CENTRAL PASADENA 84
Orange County's Santa Ana 84 †
Premier One San Jose 84
Santa Barbara Teachers Santa Barbara 84
Sunkist Employees Valencia 84
UME Burbank 84
CAMINO Montebello 83
COASTHILLS Santa Maria 83
Compass Community Eureka 83
Financial Partners DOWNEY 83
Heritage Community Rancho Cordova 83
La Loma Loma Linda 83
Lassen County Susanville 83
Maryknoll of L a Los Angeles 83
Ontario Public Employees ONTARIO 83
WHEELHOUSE SAN DIEGO 83
California Community Sacramento 82
DENOCOS CRESCENT CITY 82
First Entertainment Hollywood 82
Fresno Police Department fresno 82
INTERFAITH MONTCLAIR 82
Marin County SAN RAFAEL 82
San Francisco Fire San Francisco 82
Sun Community El Centro 82
UNIVERSITY Los Angeles 82
Caltech Employees La Canada 81
Fountain Valley Fountain Valley 81
GAIN Burbank 81
MYPOINT San Diego 81
Northeast Community San Francisco 81
San Diego Firefighters San Diego 81
Valley Agricultural SANTA PAULA 81
ARROWHEAD Rancho Cucamong 80 †
CALCOM LONG BEACH 80
Northrop Grumman Gardena 80
San Francisco Lee SAN FRANCISCO 80
Cal State L.a. LOS ANGELES 79
First Technology SAN JOSE 79
L. a. Electrical Workers Credit Un. Pasadena 79
Premier America Chatsworth 79
Sea West Coast Guard OAKLAND 79
SILVERADO ANGWIN 79
South Bay Redondo Beach 79
Sun Pacific Richmond 79
Utility District OAKLAND 79
Long Beach City Employees Signal Hill 78
RANCHO DOWNEY 78
USC Los Angeles 78
Bay Cities Hayward 77
ESPEECO Bakersfield 77
HANIN Los Angeles 77
HAVEN San Francisco 77 †
HONDA Torrance 77
AEROSPACE Los Angeles 76
KINECTA Manhattan Beach 76
Los Angeles Glendale 76
Mckesson & Healthcare Providers Martinez 76
MONTEREY MONTEREY 76
NIKKEI Gardena 76
SOUTHLAND LOS ALAMITOS 76
U.S.B. Employees Wilmington 76
Alta Vista REDLANDS 75
California Adventist Glendale 75
CAPSTONE ALISO VIEJO 75
MERIWEST SAN JOSE 75
L. a. Mission San Fernando 74
U.P.S. Employees ONTARIO 74
CHAFFEY Upland 73
Northern Redwood Arcata 73
Organized Labor Modesto 73
TECHNOLOGY SAN JOSE 73
ALTAONE Ridgecrest 72
BOPTI SAN PEDRO 72
Community First Santa Rosa 72
MATTEL El Segundo 72
Postcity Financial Long Beach 72
Vision One Sacramento 72
Inland Valley fontana 71
JACOM los angeles 71
UNCLE LIVERMORE 71
Central State Stockton 70
POLAM LOS ANGELES 70
BLUPEAK San Diego 69
FOX LOS ANGELES 69
OCEANAIR Oxnard 69
Valley Oak Three Rivers 69
Atchison Village RICHMOND 68
PARISHIONERS Torrance 68
SKYONE Hawthorne 68
SLO San Luis Obispo 68
THINKWISE San Bernardino 68
Befit Financial Vacaville 67
Center City Community Buena Park 67
The Police SAN BRUNO 67
Shell Western States Martinez 66
EXCITE San Jose 65
FONTANA Fontana 65
Glendale Area Schools GLENDALE 65
L.a. Healthcare LOS ANGELES 65
Beverly Hills City Employees BEVERLY HILLS 64
Dow Great Western Antioch 64
Farmers Insurance Los Angeles 64
San Mateo City Employees SAN MATEO 63
Columbus Club San Fernando 62
Universal City Studios Burbank 61
Sea Air Seal Beach 60
TECHNICOLOR Burbank 60
INLAND La Mesa 59
County Schools Ventura 58
Los Angeles Lee Los Angeles 58
The First Financial Pasadena 58
POLAM Redwood City 54
Jones Methodist Church Burlingame 51 †
Episcopal Community Los Angeles 41
MID-CITIES Compton 38
North Bay Santa Rosa 25

† Score computed from fewer than five NCUA-reported metrics for this credit union (one or more figures unavailable this quarter); the remaining pillar weights are renormalized so the composite stays on the same 0-100 scale. See methodology.

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.

What This Data Says About Credit Unions in California

California is home to 243 federally-insured credit unions collectively serving 14.4M members with $304.1B in combined assets, based on the most recent NCUA 5300 Call Report (Q4 2025). The state's average health score of 83/100 reflects the blended performance of every charter operating within its borders, state-chartered, federally-chartered, community, employer-based, and multi-SEG credit unions alike. Comunidad Latina of SANTA ANA currently leads the cohort with a health score of 100/100, while the full distribution spans 243 institutions ranked below.

The health distribution breaks into four bands: 163 credit unions score 80–100 (Excellent), 71 score 60–79 (Good), 7 score 40–59 (Fair), and 2 fall below 40 (Weak). These scores are a weighted composite of five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), year-over-year member growth (15%), and loan-to-share ratio (15%). A small number of institutions above (marked †) are missing one or more of these inputs this quarter; their composite is renormalized over the pillars actually reported, on the same 0–100 scale. A score in the Excellent band typically indicates a net worth ratio comfortably above the 7.0% NCUA "well capitalized" floor, sub-1% delinquency, positive ROA, and a loan-to-share ratio inside the 60–80% balanced-liquidity window. Fair and Weak institutions are not necessarily in distress, NCUA supervises all federally-insured credit unions through CAMEL ratings and Prompt Corrective Action triggers, but the composite signals where financial buffers are thinner than peers.

Every credit union on this page carries NCUSIF deposit insurance up to $250,000 per depositor per ownership category, administered by the National Credit Union Administration, identical coverage to FDIC insurance at banks. Membership eligibility varies by charter: community charters serve anyone living, working, worshiping, or attending school in a defined geography, while employer-based and associational charters require a specific common bond. Rates, fees, and product offerings also vary widely across California's 243 institutions, so prospective members should verify current terms directly with each credit union before opening accounts or applying for loans. This page is informational only, reflects quarterly reported NCUA data (not real-time financials), and is not financial advice or a solicitation to join any specific institution.

Nationwide states with similar credit-union assets or inventory

Two NCUA Call Report peer sets for California: nearest jurisdictions by combined federally-insured credit-union assets and by credit-union count. These are cross-state neighborhoods, not the in-state CU list above.

Similar combined assets

Nearest states by total credit-union assets ($304.1B here).

Virginia $278.7B Texas $169.8B New York $131.2B Florida $121.1B

Similar credit-union inventory

Nearest states by federally-insured credit-union count (243 here).

Pennsylvania 275 CUs Ohio 196 CUs Illinois 192 CUs Michigan 171 CUs

Frequently Asked Questions

How many credit unions are in California?

There are 243 federally-insured credit unions in California as of Q4 2025, with a combined 14.4M members and $304.1B in total assets. That places California at #1 of 54 among U.S. jurisdictions by combined credit-union assets. On average health score, California ranks #21 of 54. All data is sourced from the NCUA 5300 Call Report.

What is the healthiest credit union in California?

Based on NCUA Q4 2025 data, Comunidad Latina in SANTA ANA ranks highest in California with a health score of 100/100. Health scores combine net worth ratio, delinquency rate, return on assets, member growth, and loan-to-share ratio.

Are credit unions safer than banks?

Credit unions are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per account, the same insurance limit as FDIC-insured banks. Credit unions are member-owned nonprofits, which means profits are returned to members as lower fees and better rates rather than to shareholders. Both institution types offer equivalent deposit protection.

Using California's data

  • Comunidad Latina in SANTA ANA is the healthiest scored credit union in California at 100/100 -- look up its full composite before assuming it fits your situation. View full profile
  • California's credit unions rank #2 of 52 nationally on delinquency rate (among the lowest) and #43 of 52 on return on assets (among the weakest) -- both factor into the health score above, but they can move independently. National health rankings
  • California ranks #21 of 54 by average health score and #1 of 54 by combined credit-union assets among U.S. states -- see how other states compare before assuming this one is typical. State overviews

Figures are composite scores and averages built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.

Read our methodology - how this data is sourced, computed, and verified.