SLO
State-Chartered • San Luis Obispo, California • Est. 1953
Quick Facts
- Charter Number
- #61779
- Type
- State-Chartered
- Established
- 1953
- Headquarters
- San Luis Obispo, California 93401
- Address
- 1220 Osos Street
- Branches
- 3
- Members
- 1,354
- Membership Type
- Community
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Exceptionally well-capitalized with outstanding net worth ratio, very low delinquency, and strong earnings. One of the most financially sound credit unions in the country.
Financial Overview
Total Assets
Members
1,354 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | SLO |
|---|---|
| Total Assets | $29.5M |
| Members | 1,354 |
| Loans Outstanding | $15.5M |
| Shares & Deposits | $25.6M |
| Net Worth | $4.3M |
| Net Worth Ratio | 14.52% |
| Loan-to-Share Ratio | 60.6% |
| Delinquency Rate | 0.39% |
| Net Income | $-209,022 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
3 locations
Main Office
Main Office1220 Osos St
San Luis Obispo, CA 93401-3620
CoastHills FCU
8900 Pueblo Ave
Atascadero, CA 93422-4657
CU*NORTHWEST
1421 N Meadowwood Ln Ste 130
Liberty Lake, WA 99019-7613
Who Can Join SLO?
Membership Type: Community
Membership eligibility for SLO may vary. Contact the credit union directly to confirm qualification requirements.
Contact SLO directly or visit their website for the most accurate and up-to-date membership eligibility information.
Find More Credit Unions in California
Browse all federally insured credit unions in California, ranked by assets, members, and financial health score.
View California RankingsFrequently Asked Questions
Yes. SLO is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, SLO has 1,354 members and a potential membership field of 280,825 people.
SLO's net worth ratio is 14.52% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 14.5%, SLO meets this threshold.
SLO operates 3 branch locations. The main office is located at 1220 Osos St, San Luis Obispo, CA 93401-3620.
SLO was established in 1953. It is a state-chartered credit union chartered under charter number 61779. The institution has been serving members for 73 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or SLO. All financial data is for informational purposes only.