TellerScore

Central State Credit Union (NCUA charter #60363) is based in Stockton, California. Its Q2 2026 call report shows $258.2M in total assets and $211.3M in member shares and deposits and 4 offices.

Based on its Q2 2026 filing, Central State Credit Union scores 65/100, which we describe as moderate. That is higher than only 34% of 1,341 credit unions with $100 million – $1 billion. Among 238 credit unions headquartered in California, it ranks 146th. Its strongest component is funding & liquidity (100/100; 41% loans-to-deposits, 6% uninsured), and its lowest is earnings (31/100; 0.28%).

TellerScore · Q2 2026

Scorecard

Capital cushion40/100
Net worth ratio: 9.01%
Loan quality87/100
Loans 60+ days delinquent ÷ total loans: 0.40%
Earnings31/100
Return on assets (annualized): 0.28%
Funding & liquidity100/100
Loans ÷ shares: 40.8% · 6.2% uninsured
Problem-loan coverage97/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.49%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (66 → 65).

TellerScore
626669Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202463
Q3 202462
Q4 202462
Q1 202566
Q2 202566
Q3 202568
Q4 202569
Q1 202666
Q2 202665
Net worth ratio
7.00%8.50%10.01%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20249.36%
Q3 20249.27%
Q4 20249.47%
Q1 20259.37%
Q2 20259.64%
Q3 20259.85%
Q4 202510.01%
Q1 20268.97%
Q2 20269.01%
Delinquent loans (60+ days)
0.01%0.37%0.73%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.50%
Q3 20240.48%
Q4 20240.73%
Q1 20250.44%
Q2 20250.49%
Q3 20250.34%
Q4 20250.27%
Q1 20260.01%
Q2 20260.40%
Return on assets
-0.05%0.13%0.30%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.10%
Q3 2024-0.05%
Q4 20240.10%
Q1 20250.29%
Q2 20250.29%
Q3 20250.28%
Q4 20250.30%
Q1 2026-0.03%
Q2 20260.28%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202665$258.2M9.01%0.40%0.28%40.8%
Q1 202666$255.2M8.97%0.01%-0.03%40.2%
Q4 202569$228.8M10.01%0.27%0.30%30.5%
Q3 202568$230.4M9.85%0.34%0.28%30.6%
Q2 202566$233.8M9.64%0.49%0.29%27.6%
Q1 202566$238.8M9.37%0.44%0.29%26.1%
Q4 202462$234.5M9.47%0.73%0.10%28.4%
Q3 202462$236.1M9.27%0.48%-0.05%30.5%
Q2 202463$235.8M9.36%0.50%0.10%32.5%

1,341 peers · $100 million – $1 billion

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).

Capital ratio9.01%
13th
Problem loans0.40%
74th
Net charge-offs0.28%
59th
Return on assets0.28%
16th
Loans to deposits40.8%
96th
Uninsured deposits6.2%
47th
Loan-loss reserves0.00%
50th
Texas ratio1.5%
82nd

Similar-size credit unions in California

InstitutionScoreAssetsCapitalProblem loansCompare
Long Beach City Employees Federal Credit UnionCredit union Signal Hill, CA83 out of 100, Strong$270.6M13.8%0.01%vs
Corazo Credit UnionCredit union El Centro, CA59 out of 100, Moderate$243.6M14.0%2.51%vs
Edwards Federal Credit UnionCredit union Edwards, CA56 out of 100, Moderate$276.6M8.8%0.81%vs
F3 Credit UnionCredit union San Jose, CA80 out of 100, Strong$236.8M18.5%1.05%vs
Sri Federal Credit UnionCredit union Menlo Park, CA76 out of 100, Strong$236.2M12.7%0.17%vs
Heritage Community Credit UnionCredit union Rancho Cordova, CA58 out of 100, Moderate$283.4M9.8%0.75%vs

Deposit insurance

Is my money safe at Central State Credit Union?

Yes. Central State Credit Union is a federally insured credit union (NCUA charter #60363). 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 6.2% of shares and deposits ($13.0M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 9.01%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

4 locations

Branches

Central State Credit Union lists 4 offices in 3 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Central State Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
60363
RSSD ID
82499
Primary regulator
State + NCUA
Established
1936
Headquarters
919 N Center St, Stockton, CA 95202
Employees
50

Quick answers

Central State Credit Union: common questions

Is Central State Credit Union NCUA insured?

Yes. Central State Credit Union is a federally insured credit union (NCUA charter #60363). 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 Central State Credit Union's TellerScore?

65 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 Central State Credit Union have?

4 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Stockton

InstitutionScoreAssetsCapitalProblem loansCompare
Bank of StocktonBank Stockton, CA94 out of 100, Very strong$5.0B19.9%0.08%vs
Operating Engineers Local Union #3 Federal Credit UnionCredit union Livermore, CA92 out of 100, Very strong$1.7B15.5%0.60%vs
Mokelumne Federal Credit UnionCredit union Lodi, CA88 out of 100, Very strong$56.9M16.0%0.36%vs
Certified Federal Credit UnionCredit union El Monte, CA88 out of 100, Very strong$925.3M20.7%0.37%vs
Farmers & Merchants Bank of Central CaliforniaBank Lodi, CA79 out of 100, Strong$5.8B11.7%0.13%vs
1st Northern California Credit UnionCredit union Martinez, CA79 out of 100, Strong$829.0M11.8%0.03%vs