State overview · Q4 2025

California Credit Unions

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

Compiled by PlainCU Editorial, Credit Unions Editorial Team · May 16, 2026

243
Credit unions: 14.4M
Members: $304.1B
Combined assets: 81/100
Avg health

Health-score distribution

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

All Credit Unions in California

Credit Union	Health	Assets	Members	Net Worth %
Comunidad Latina SANTA ANA	100	$11M	2K	24.9%
Safe 1 BAKERSFIELD	100	$1.1B	88K	14.7%
Altura Riverside	99	$2.6B	212K	10.1%
Bay Capitola	99	$1.9B	96K	9.5%
Mission San Diego	99	$7.2B	327K	11.9%
Safe FOLSOM	99	$4.4B	246K	9.6%
Yolo Woodland	99	$407M	23K	12.5%
Foothill Arcadia	98	$766M	34K	12.2%
Sacramento Sacramento	98	$838M	31K	14.6%
1st United Pleasanton	97	$1.2B	61K	11.9%
Corrections Soledad	97	$34M	4K	8.9%
Families and Schools Together Hanford	97	$317M	19K	19.5%
Firefighters First Los Angeles	97	$2.4B	75K	9.1%
Novo Norco	97	$20M	2K	13.6%
Operating Engineers Local Union #3 LIVERMORE	97	$1.7B	121K	14.7%
1st Northern California Martinez	96	$808M	34K	11.7%
Cabrillo San Diego	96	$571M	29K	9.2%
California Coast San Diego	96	$3.4B	210K	11.0%
Frontwave Oceanside	96	$1.7B	132K	8.9%
I.l.w.u. Long Beach	96	$567M	31K	8.6%
Monterra Redwood City	96	$1.9B	99K	13.0%
Pacific Service Concord	96	$1.3B	71K	15.2%
Redwood Santa Rosa	96	$9.8B	410K	12.8%
Santa Ana Santa Ana	96	$109M	5K	13.0%
Stanford Palo Alto	96	$4.7B	95K	10.7%
Strata BAKERSFIELD	96	$336M	24K	14.3%
Siskiyou Yreka	95	$146M	12K	9.1%
Star One SUNNYVALE	95	$9.3B	133K	14.5%
The Golden 1 SACRAMENTO	95	$21.5B	1.2M	10.0%
Va Desert Pacific Long Beach	95	$97M	6K	21.8%
Chevron Concord	94	$5.1B	139K	11.8%
Educational Employees FRESNO	94	$5.3B	397K	13.9%
F & a MONTEREY PARK	94	$3.0B	45K	12.3%
Noble Fresno	94	$1.4B	120K	10.0%
Redlands City Employees Redlands	94	$10M	730	24.7%
Santa Maria Associated Employees Santa Maria	94	$5M	1K	8.0%
Smw 104 Livermore	94	$116M	10K	11.9%
United Association CONCORD	94	$14M	2K	17.2%
El Monte Community El Monte	93	$32M	3K	11.0%
First City Pasadena	93	$937M	57K	12.7%
Modesto's First MODESTO	93	$67M	3K	9.3%
Popa Cerritos	93	$391M	20K	11.5%
Sesloc SAN LUIS OBISPO	93	$1.2B	56K	9.4%
Torrance Community Torrance	93	$161M	8K	10.0%
Coast Central Eureka	92	$2.3B	80K	11.2%
Kings Hanford	92	$162M	10K	15.5%
Mirastar San Jose	92	$1.0B	49K	9.7%
Schools Torrance	92	$190M	17K	10.7%
Los Angeles Police Van Nuys	91	$1.4B	49K	10.9%
Mokelumne Lodi	91	$57M	6K	15.0%
Priority One South Pasadena	91	$207M	17K	13.3%
San Francisco San Francisco	91	$1.4B	52K	8.5%
Schoolsfirst SANTA ANA	91	$35.4B	1.5M	8.5%
Sonoma Santa Rosa	91	$81M	2K	11.9%
Travis VACAVILLE	91	$5.5B	268K	10.7%
Vida Ontario	91	$171M	10K	13.8%
East County Schools EL CAJON	90	$142M	5K	9.7%
Fresno Grangers FRESNO	90	$27M	589	18.0%
Logix Valencia	90	$9.7B	258K	15.3%
Long Beach Firemen S Long Beach	90	$203M	3K	28.4%
Patelco Dublin	90	$9.6B	530K	10.4%
San Joaquin Power Employees FRESNO	90	$179M	7K	13.0%
Wescom Central PASADENA	90	$6.3B	261K	7.8%
California Lithuanian Santa Monica	89	$153M	2K	19.1%
Central Valley Firefighters FRESNO	89	$48M	2K	13.3%
Commonwealth Central San Jose	89	$617M	38K	14.1%
Eagle Community Lake Forest	89	$393M	23K	10.0%
Escondido Escondido	89	$65M	2K	13.4%
First California Fresno	89	$110M	9K	10.0%
Golden Valley Manteca	89	$39M	3K	10.0%
Merced School Employees MERCED	89	$859M	51K	11.1%
Santa Cruz Community Santa Cruz	89	$176M	15K	10.0%
Valley First Modesto	89	$1.1B	80K	9.5%
American First BREA	88	$1.2B	50K	8.7%
Bakersfield City Employees BAKERSFIELD	88	$29M	2K	11.1%
Clearpath Burbank	88	$218M	11K	9.1%
Greater Valley FRESNO	88	$34M	2K	12.7%
Lbs Financial Long Beach	88	$2.2B	138K	13.0%
Media City BURBANK	88	$38M	2K	16.0%
Provident REDWOOD CITY	88	$3.6B	136K	10.4%
Santa Barbara County SANTA BARBARA	88	$65M	4K	12.7%
Sierra Central Yuba City	88	$1.5B	86K	8.7%
Employees Choice El Cajon	87	$23M	1K	9.6%
Keypoint San Jose	87	$1.7B	55K	8.8%
Olive View Employees SYLMAR	87	$74M	6K	19.9%
San Diego County San Diego	87	$9.3B	413K	20.1%
Union Yes ORANGE	87	$83M	24K	8.5%
Christian Community SAN DIMAS	86	$1.4B	51K	7.3%
Corazo El Centro	86	$235M	24K	13.5%
Delta Schools ANTIOCH	86	$63M	3K	10.8%
F3 SAN JOSE	86	$240M	13K	16.2%
Glendale Glendale	86	$102M	8K	11.0%
Huntington Beach Huntington Beac	86	$54M	2K	12.9%
Matadors Community Northridge	86	$364M	19K	11.2%
Mission City Santa Clara	86	$159M	4K	8.6%
Nuvision HUNTINGTON BEAC	86	$3.9B	212K	7.1%
Partners Burbank	86	$2.7B	177K	10.9%
Tucoemas VISALIA	86	$338M	25K	9.2%
America's Christian Glendora	85	$802M	145K	8.4%
Cahp SACRAMENTO	85	$392M	23K	6.5%
Delancey Street SAN FRANCISCO	85	$500531	95	28.4%
Edwards Edwards	85	$276M	13K	7.0%
First U.s. Community Sacramento	85	$549M	28K	10.6%
Merco Merced	85	$207M	16K	10.4%
Mocse Modesto	85	$430M	30K	7.6%
Mojave Plant Employees MOJAVE	85	$1M	199	14.2%
Rize EL MONTE	85	$1.3B	80K	7.9%
Rolling F TURLOCK	85	$65M	5K	11.4%
Sag-aftra Burbank	85	$343M	21K	11.0%
Sri MENLO PARK	85	$236M	5K	8.0%
United Local Fresno	85	$120M	8K	20.0%
Ventura County Ventura	85	$1.4B	78K	9.7%
Antioch Community Antioch	84	$34M	1K	13.5%
Certified El Monte	84	$903M	60K	19.0%
E-central PASADENA	84	$175M	9K	22.9%
Santa Barbara Teachers Santa Barbara	84	$305M	9K	13.5%
Sunkist Employees Valencia	84	$4M	511	31.8%
Camino Montebello	83	$178M	13K	11.7%
Coasthills Santa Maria	83	$1.8B	83K	8.0%
Compass Community Eureka	83	$178M	6K	11.8%
Kaiperm Walnut Creek	83	$108M	8K	7.6%
La Loma Loma Linda	83	$114M	7K	9.4%
Lassen County Susanville	83	$108M	4K	13.3%
Ontario Public Employees ONTARIO	83	$23M	2K	12.4%
Tulare County Tulare	83	$150M	11K	6.1%
Ume Burbank	83	$341M	17K	8.9%
California Community Sacramento	82	$79M	4K	12.5%
Credit Union of Southern California Anaheim	82	$3.8B	184K	8.1%
Denocos CRESCENT CITY	82	$6M	734	9.9%
Diablo Valley Concord	82	$40M	2K	8.7%
Downey DOWNEY	82	$328M	19K	8.1%
First Entertainment Hollywood	82	$2.1B	85K	10.2%
Fresno Police Department fresno	82	$49M	3K	23.2%
Interfaith MONTCLAIR	82	$138M	5K	10.4%
Mypoint San Diego	82	$672M	28K	8.9%
Orange County's Santa Ana	82	$3.0B	144K	9.2%
San Francisco Fire San Francisco	82	$1.6B	72K	10.1%
Sun Community El Centro	82	$851M	54K	9.0%
Water and Power Community LOS ANGELES	82	$971M	45K	8.2%
Wheelhouse SAN DIEGO	82	$448M	32K	8.0%
Caltech Employees La Canada	81	$2.1B	34K	9.9%
Fountain Valley Fountain Valley	81	$2M	172	23.4%
Gain Burbank	81	$442M	20K	8.3%
Heritage Community Rancho Cordova	81	$278M	10K	9.1%
Maryknoll of L a Los Angeles	81	$1M	155	9.4%
Northeast Community San Francisco	81	$16M	927	18.1%
Upward Burlingame	81	$94M	4K	8.2%
Valley Agricultural SANTA PAULA	81	$5M	556	11.0%
Arrowhead Rancho Cucamong	80	$2.8B	227K	11.1%
Calcom LONG BEACH	80	$83M	7K	15.5%
San Diego Firefighters San Diego	80	$150M	4K	7.5%
San Francisco Lee SAN FRANCISCO	80	$11M	539	51.5%
University Los Angeles	80	$1.2B	60K	7.9%
L. A. Electrical Workers Credit Un. Pasadena	79	$52M	8K	20.4%
Northrop Grumman Gardena	79	$1.6B	83K	9.0%
Sea West Coast Guard OAKLAND	79	$386M	11K	18.6%
South Bay Redondo Beach	79	$157M	10K	9.5%
Sun Pacific Richmond	79	$29M	2K	19.4%
Utility District OAKLAND	79	$34M	2K	8.8%
Desert Valleys Ridgecrest	78	$89M	6K	5.9%
Long Beach City Employees Signal Hill	78	$270M	10K	13.7%
Premier One San Jose	78	$650M	26K	7.3%
Rancho DOWNEY	78	$108M	7K	8.5%
Bay Cities Hayward	77	$78M	7K	12.1%
Cal State L.a. LOS ANGELES	77	$78M	5K	8.5%
Espeeco Bakersfield	77	$12M	1K	7.4%
Hanin Los Angeles	77	$36M	2K	12.3%
Haven San Francisco	77	$1	1	100.0%
Honda Torrance	77	$1.2B	61K	9.3%
Monterey MONTEREY	77	$357M	20K	8.9%
Aerospace Los Angeles	76	$428M	9K	9.8%
First Technology SAN JOSE	76	$16.4B	709K	8.8%
Los Angeles Glendale	76	$1.3B	74K	11.4%
Mckesson & Healthcare Providers Martinez	76	$91M	7K	13.7%
Nikkei Gardena	76	$80M	4K	14.1%
U.s.b. Employees Wilmington	76	$3M	303	19.5%
Alta Vista REDLANDS	75	$213M	12K	8.6%
California Adventist Glendale	75	$47M	2K	17.3%
Chula Vista City Employees Chula Vista	74	$3M	541	4.7%
L. A. Mission San Fernando	74	$9M	853	10.7%
Northern Redwood Arcata	74	$24M	3K	8.2%
Premier America Chatsworth	74	$3.3B	117K	7.8%
Silverado ANGWIN	74	$50M	3K	8.3%
Central State Stockton	73	$229M	14K	10.0%
Financial Partners DOWNEY	73	$2.2B	94K	6.3%
Organized Labor Modesto	73	$40M	3K	9.7%
Pasadena Pasadena	73	$380M	25K	6.1%
Technology SAN JOSE	73	$4.6B	174K	11.0%
Usc Los Angeles	73	$714M	74K	8.3%
Bopti SAN PEDRO	72	$70M	4K	22.1%
California GLENDALE	72	$5.4B	203K	6.2%
Chaffey Upland	72	$229M	12K	7.3%
Kinecta Manhattan Beach	72	$6.5B	231K	7.5%
Mattel El Segundo	72	$27M	2K	11.6%
Meriwest SAN JOSE	72	$2.1B	77K	7.8%
Valley Strong BAKERSFIELD	72	$4.0B	354K	5.8%
Vision One Sacramento	72	$87M	2K	16.6%
Inland Valley fontana	71	$53M	3K	8.7%
Jacom los angeles	71	$55M	8K	16.4%
Capstone ALISO VIEJO	70	$34M	2K	8.2%
Polam LOS ANGELES	70	$74M	2K	10.2%
Valley Oak Three Rivers	70	$83M	6K	6.8%
Blupeak San Diego	69	$1.1B	53K	9.3%
Fox LOS ANGELES	69	$38M	3K	9.2%
Postcity Financial Long Beach	69	$77M	5K	8.8%
Uncle LIVERMORE	69	$757M	37K	7.4%
Atchison Village RICHMOND	68	$13M	2K	12.3%
Slo San Luis Obispo	68	$29M	1K	14.5%
Thinkwise San Bernardino	68	$120M	6K	8.4%
Altaone Ridgecrest	67	$962M	53K	7.1%
Befit Financial Vacaville	67	$40M	2K	9.5%
Center City Community Buena Park	67	$25M	3K	9.2%
The Police SAN BRUNO	67	$1.0B	39K	12.2%
Parishioners Torrance	66	$69M	3K	8.4%
Dow Great Western Antioch	65	$48M	2K	8.5%
Glendale Area Schools GLENDALE	65	$429M	12K	11.3%
Shell Western States Martinez	65	$73M	2K	9.5%
Southland LOS ALAMITOS	65	$1.3B	71K	6.0%
Beverly Hills City Employees BEVERLY HILLS	64	$16M	2K	15.4%
Farmers Insurance Los Angeles	64	$1.3B	66K	9.7%
L.a. Healthcare LOS ANGELES	64	$15M	2K	8.2%
U.p.s. Employees ONTARIO	64	$48M	5K	5.7%
Excite San Jose	63	$618M	46K	6.7%
Oceanair Oxnard	63	$867M	27K	6.3%
San Mateo City Employees SAN MATEO	63	$32M	1K	18.3%
Universal City Studios Burbank	63	$71M	5K	8.8%
Columbus Club San Fernando	62	$3M	194	27.1%
Technicolor Burbank	61	$86M	4K	8.2%
Sea Air Seal Beach	60	$117M	6K	14.1%
United Catholics COVINA	59	$48M	4K	0.2%
Community First Santa Rosa	58	$915M	59K	6.1%
Los Angeles Lee Los Angeles	58	$644165	69	13.5%
County Schools Ventura	57	$95M	5K	8.1%
Inland La Mesa	56	$15M	1K	7.1%
Marin County SAN RAFAEL	56	$101M	4K	1.3%
Skyone Hawthorne	56	$882M	52K	4.6%
The First Financial Pasadena	55	$745M	33K	6.6%
Fontana Fontana	54	$16M	1K	5.9%
Polam Redwood City	54	$74M	4K	13.7%
Mid-cities Compton	39	$16M	3K	7.2%
Episcopal Community Los Angeles	27	$7M	999	4.0%
North Bay Santa Rosa	25	$114M	3K	4.7%
Jones Methodist Church Burlingame	11	$259393	252	-

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 81/100 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: 153 credit unions score 80–100 (Excellent), 76 score 60–79 (Good), 10 score 40–59 (Fair), and 4 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 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.

Explore more: Healthiest credit unions · Largest by assets · How health scores work

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. 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.

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