How many credit unions are in California?

There are 243 federally insured credit unions in California according to the latest NCUA Q4 2025 Call Report data. These institutions collectively hold $304.1B in assets and serve 14.4M members.

What is the average net worth ratio for credit unions in California?

The average net worth ratio for credit unions in California is 12.8%. The NCUA considers a credit union "well-capitalized" when its net worth ratio is 7% or higher. A ratio above 10% is considered excellent and signals strong financial health.

Which is the largest credit union in California?

The largest credit union in California by total assets is SCHOOLSFIRST with $35.4B in assets. You can view full details, branch locations, and financial health data on its individual profile page.

Credit Unions in California

243 federally insured credit unions — NCUA Q4 2025 data

Credit Unions

243

Federally insured in California

Total Members

14.4M

Combined membership

Total Assets

$304.1B

Combined industry assets

Avg Net Worth Ratio

12.8%

Well-capitalized threshold: 7%

Cities in California

Select a city to browse local credit unions

Los Angeles15 credit unionsFRESNO9 credit unionsSAN JOSE9 credit unionsBurbank8 credit unionsSan Diego8 credit unionsPasadena6 credit unionsLong Beach6 credit unionsSAN FRANCISCO6 credit unionsSACRAMENTO6 credit unionsGlendale5 credit unionsBAKERSFIELD5 credit unionsTorrance4 credit unionsMODESTO4 credit unionsConcord4 credit unionsSanta Rosa4 credit unionsSANTA ANA4 credit unionsDOWNEY3 credit unionsMartinez3 credit unionsEL MONTE3 credit unionsONTARIO3 credit unionsAntioch3 credit unionsLivermore3 credit unionsRedwood City3 credit unionsHUNTINGTON BEAC2 credit unionsSanta Barbara2 credit unionsValencia2 credit unionsRichmond2 credit unionsRidgecrest2 credit unionsfontana2 credit unionsSan Fernando2 credit unionsHanford2 credit unionsMERCED2 credit unionsEl Centro2 credit unionsRedlands2 credit unionsEL CAJON2 credit unionsVacaville2 credit unionsSanta Maria2 credit unionsOAKLAND2 credit unionsVentura2 credit unionsGardena2 credit unionsSan Luis Obispo2 credit unionsEureka2 credit unionsBurlingame2 credit unionsSYLMAR1 credit unionSignal Hill1 credit unionMONTEREY PARK1 credit unionTulare1 credit unionManhattan Beach1 credit unionMontebello1 credit unionVISALIA1 credit unionMONTCLAIR1 credit unionWilmington1 credit unionHawthorne1 credit unionSAN MATEO1 credit unionLa Canada1 credit unionOxnard1 credit unionSan Bernardino1 credit unionSeal Beach1 credit unionEl Segundo1 credit unionALISO VIEJO1 credit unionWoodland1 credit unionBEVERLY HILLS1 credit unionLoma Linda1 credit unionArcata1 credit unionSAN PEDRO1 credit unionManteca1 credit unionMENLO PARK1 credit unionMOJAVE1 credit unionWalnut Creek1 credit unionCRESCENT CITY1 credit unionCOVINA1 credit unionCapitola1 credit unionArcadia1 credit unionSanta Clara1 credit unionSoledad1 credit unionLodi1 credit unionPalo Alto1 credit unionEscondido1 credit unionLa Mesa1 credit unionEdwards1 credit unionSAN RAFAEL1 credit unionNorco1 credit unionUpland1 credit unionSusanville1 credit unionSANTA PAULA1 credit unionChula Vista1 credit unionCerritos1 credit unionORANGE1 credit unionVan Nuys1 credit unionRiverside1 credit unionRancho Cucamong1 credit unionAnaheim1 credit unionSouth Pasadena1 credit unionStockton1 credit unionSAN BRUNO1 credit unionTURLOCK1 credit unionYreka1 credit unionPleasanton1 credit unionSanta Cruz1 credit unionFountain Valley1 credit unionThree Rivers1 credit unionSanta Monica1 credit unionLake Forest1 credit unionBuena Park1 credit unionYuba City1 credit unionGlendora1 credit unionHayward1 credit unionFOLSOM1 credit unionHollywood1 credit unionRancho Cordova1 credit unionLOS ALAMITOS1 credit unionChatsworth1 credit unionSUNNYVALE1 credit unionNorthridge1 credit unionBREA1 credit unionANGWIN1 credit unionOceanside1 credit unionDublin1 credit unionRedondo Beach1 credit unionCompton1 credit unionSAN DIMAS1 credit unionMONTEREY1 credit union

Top 10 Credit Unions in California

Ranked by total assets — Q4 2025

Rank	Name	Total Assets	Members	Health
#1	SCHOOLSFIRST	$35.4B	1.5M	A
#2	THE GOLDEN 1	$21.5B	1.2M	A
#3	FIRST TECHNOLOGY	$16.4B	709K	B+
#4	REDWOOD	$9.8B	410K	A+
#5	LOGIX	$9.7B	258K	A+
#6	PATELCO	$9.6B	530K	A+
#7	STAR ONE	$9.3B	133K	A+
#8	SAN DIEGO COUNTY	$9.3B	413K	A+
#9	MISSION	$7.2B	327K	A+
#10	KINECTA	$6.5B	231K	A

Financially Strongest Credit Unions in California

Net worth ratio ≥ 10% — well above the 7% well-capitalized threshold

100.0%NW Ratio

HAVEN

$1 in assets

52.5%NW Ratio

SAN FRANCISCO LEE

$10.9M in assets

31.9%NW Ratio

SUNKIST EMPLOYEES

$3.9M in assets

30.1%NW Ratio

NORTHEAST COMMUNITY

$15.7M in assets

28.4%NW Ratio

DELANCEY STREET

$501K in assets

Credit Unions with Low Net Worth Ratios in California

The following credit unions have a net worth ratio below 5%, which is below the NCUA's “adequately capitalized” threshold of 6%. This information is provided for educational purposes only. All listed institutions remain federally insured by the NCUA up to $250,000. Contact the credit union or visit NCUA.gov for the latest status.

4.7%NW Ratio

NORTH BAY

$114.4M in assets

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Data sourced from the NCUA Quarterly Call Report (Q4 2025). All financial data is for informational purposes only.