Befit Financial Federal Credit Union (NCUA charter #11943) is based in Vacaville, California. Its Q2 2026 call report shows $38.2M in total assets and $34.1M in member shares and deposits and 1 office.
Based on its Q2 2026 filing, Befit Financial Federal Credit Union scores 60/100, which we describe as moderate. That is higher than only 22% of 2,479 credit unions with under $100 million in assets. Among 238 credit unions headquartered in California, it ranks 179th. Its strongest component is funding & liquidity (100/100; 56% loans-to-deposits, 5% uninsured), and its lowest is earnings (32/100; 0.30%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 12 points (48 → 60), mostly because the loan quality component improved by 34 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 64 |
| Q3 2024 | 63 |
| Q4 2024 | 50 |
| Q1 2025 | 49 |
| Q2 2025 | 48 |
| Q3 2025 | 50 |
| Q4 2025 | 55 |
| Q1 2026 | 60 |
| Q2 2026 | 60 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 9.56% |
| Q3 2024 | 10.06% |
| Q4 2024 | 10.07% |
| Q1 2025 | 9.58% |
| Q2 2025 | 9.89% |
| Q3 2025 | 9.50% |
| Q4 2025 | 9.51% |
| Q1 2026 | 9.69% |
| Q2 2026 | 10.02% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.81% |
| Q3 2024 | 0.98% |
| Q4 2024 | 2.04% |
| Q1 2025 | 1.99% |
| Q2 2025 | 2.22% |
| Q3 2025 | 1.83% |
| Q4 2025 | 1.48% |
| Q1 2026 | 1.23% |
| Q2 2026 | 1.20% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.62% |
| Q3 2024 | 0.58% |
| Q4 2024 | 0.15% |
| Q1 2025 | 0.05% |
| Q2 2025 | 0.13% |
| Q3 2025 | -0.03% |
| Q4 2025 | 0.15% |
| Q1 2026 | 0.42% |
| Q2 2026 | 0.30% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 60 | $38.2M | 10.02% | 1.20% | 0.30% | 55.7% |
| Q1 2026 | 60 | $39.3M | 9.69% | 1.23% | 0.42% | 54.6% |
| Q4 2025 | 55 | $39.6M | 9.51% | 1.48% | 0.15% | 56.7% |
| Q3 2025 | 50 | $39.0M | 9.50% | 1.83% | -0.03% | 60.3% |
| Q2 2025 | 48 | $37.8M | 9.89% | 2.22% | 0.13% | 63.5% |
| Q1 2025 | 49 | $38.8M | 9.58% | 1.99% | 0.05% | 63.5% |
| Q4 2024 | 50 | $36.9M | 10.07% | 2.04% | 0.15% | 69.4% |
| Q3 2024 | 63 | $38.1M | 10.06% | 0.98% | 0.58% | 67.8% |
| Q2 2024 | 64 | $39.6M | 9.56% | 0.81% | 0.62% | 67.4% |
2,479 peers · Under $100 million in assets
How it compares with peers
Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size credit unions in California
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Organized Labor Credit UnionCredit union Modesto, CA | 65 out of 100, Moderate | $39.2M | 10.4% | 1.38% | vs |
| Media City Credit UnionCredit union Burbank, CA | 79 out of 100, Strong | $39.4M | 15.8% | 0.96% | vs |
| Golden Valley Federal Credit UnionCredit union Manteca, CA | 66 out of 100, Moderate | $39.7M | 11.5% | 1.38% | vs |
| Fox Federal Credit UnionCredit union Los Angeles, CA | 57 out of 100, Moderate | $36.6M | 9.4% | 0.35% | vs |
| Diablo Valley Federal Credit UnionCredit union Concord, CA | 72 out of 100, Strong | $40.1M | 10.9% | 0.05% | vs |
| Corrections Federal Credit UnionCredit union Soledad, CA | 58 out of 100, Moderate | $36.1M | 8.5% | 0.07% | vs |
Deposit insurance
Is my money safe at Befit Financial Federal Credit Union?
Yes. Befit Financial Federal Credit Union is a federally insured credit union (NCUA charter #11943). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
An estimated 5.2% of shares and deposits ($1.8M) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.
The net worth ratio is 10.02%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.
1 location
Branches
Befit Financial Federal Credit Union lists 1 office in 1 city. Most locations:
- Vacaville, CA (1)
Identity & history
Profile
- Legal name
- Befit Financial Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 11943
- RSSD ID
- 243580
- Primary regulator
- NCUA
- Established
- 1957
- Headquarters
- PO Box 5760, Vacaville, CA 95696
- Employees
- 7
Quick answers
Befit Financial Federal Credit Union: common questions
Is Befit Financial Federal Credit Union NCUA insured?
Yes. Befit Financial Federal Credit Union is a federally insured credit union (NCUA charter #11943). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
What is Befit Financial Federal Credit Union's TellerScore?
60 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
How many branches does Befit Financial Federal Credit Union have?
1 office as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Vacaville
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Bank of StocktonBank Stockton, CA | 94 out of 100, Very strong | $5.0B | 19.9% | 0.08% | vs |
| Farmers & Merchants Bank of Central CaliforniaBank Lodi, CA | 79 out of 100, Strong | $5.8B | 11.7% | 0.13% | vs |
| Westamerica BankBank San Rafael, CA | 78 out of 100, Strong | $5.8B | 10.3% | 0.12% | vs |
| Redwood Credit UnionCredit union Santa Rosa, CA | 78 out of 100, Strong | $10.7B | 13.3% | 0.72% | vs |
| Yolo Federal Credit UnionCredit union Woodland, CA | 76 out of 100, Strong | $412.4M | 13.0% | 0.78% | vs |
| First Northern Bank of DixonBank Dixon, CA | 74 out of 100, Strong | $1.9B | 12.0% | 0.41% | vs |