TellerScore

Central Valley Firefighters Credit Union is a federally insured state-chartered credit union headquartered in Fresno, California, in business for about 91 years. At the end of Q2 2026 it reported $49.5M in total assets and $42.5M in member shares and deposits, with 1 office.

Based on its Q2 2026 filing, Central Valley Firefighters Credit Union scores 87/100, which we describe as very strong. That is higher than 83% of 2,479 credit unions with under $100 million in assets. Among 238 credit unions headquartered in California, it ranks 23rd. Its strongest component is funding & liquidity (99/100; 61% loans-to-deposits, 5% uninsured), and its lowest is earnings (75/100; 1.37%).

TellerScore · Q2 2026

Scorecard

Capital cushion87/100
Net worth ratio: 13.73%
Loan quality86/100
Loans 60+ days delinquent ÷ total loans: 0.42%
Earnings75/100
Return on assets (annualized): 1.37%
Funding & liquidity99/100
Loans ÷ shares: 61.1% · 5.4% uninsured
Problem-loan coverage97/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.60%

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 8 points (79 → 87), mostly because the earnings component improved by 32 points.

TellerScore
768287Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202478
Q3 202479
Q4 202482
Q1 202584
Q2 202579
Q3 202580
Q4 202576
Q1 202682
Q2 202687
Net worth ratio
7.00%10.37%13.73%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202412.93%
Q3 202413.32%
Q4 202413.48%
Q1 202513.29%
Q2 202513.45%
Q3 202513.22%
Q4 202513.34%
Q1 202613.18%
Q2 202613.73%
Delinquent loans (60+ days)
0.20%0.49%0.78%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.46%
Q3 20240.50%
Q4 20240.28%
Q1 20250.20%
Q2 20250.52%
Q3 20250.42%
Q4 20250.78%
Q1 20260.54%
Q2 20260.42%
Return on assets
0.57%0.97%1.37%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.63%
Q3 20240.67%
Q4 20240.63%
Q1 20250.87%
Q2 20250.57%
Q3 20250.65%
Q4 20250.61%
Q1 20261.05%
Q2 20261.37%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202687$49.5M13.73%0.42%1.37%61.1%
Q1 202682$49.9M13.18%0.54%1.05%61.0%
Q4 202576$48.4M13.34%0.78%0.61%63.2%
Q3 202580$48.3M13.22%0.42%0.65%61.9%
Q2 202579$46.8M13.45%0.52%0.57%63.9%
Q1 202584$47.1M13.29%0.20%0.87%62.3%
Q4 202482$45.7M13.48%0.28%0.63%63.5%
Q3 202479$45.8M13.32%0.50%0.67%62.7%
Q2 202478$46.6M12.93%0.46%0.63%61.7%

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).

Capital ratio13.73%
45th
Problem loans0.42%
62nd
Net charge-offs0.16%
52nd
Return on assets1.37%
82nd
Loans to deposits61.1%
46th
Uninsured deposits5.4%
19th
Loan-loss reserves0.00%
37th
Texas ratio1.6%
57th

Similar-size credit unions in California

InstitutionScoreAssetsCapitalProblem loansCompare
Fresno Police Department Credit UnionCredit union Fresno, CA89 out of 100, Very strong$49.5M23.3%0.06%vs
United Catholics Federal Credit UnionCredit union Covina, CA74 out of 100, Strong$49.3M9.8%0.02%vs
Dow Great Western Credit UnionCredit union Antioch, CA52 out of 100, Below average$48.2M7.8%0.63%vs
Silverado Credit UnionCredit union Angwin, CA58 out of 100, Moderate$47.9M11.7%1.12%vs
U.P.S. Employees Federal Credit UnionCredit union Ontario, CA61 out of 100, Moderate$51.8M7.5%0.26%vs
Inland Valley Federal Credit UnionCredit union Fontana, CA65 out of 100, Moderate$54.0M8.7%0.18%vs

Deposit insurance

Is my money safe at Central Valley Firefighters Credit Union?

Yes. Central Valley Firefighters Credit Union is a federally insured credit union (NCUA charter #68008). 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 5.4% of shares and deposits ($2.3M) 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 13.73%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

Central Valley Firefighters Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Central Valley Firefighters Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
68008
RSSD ID
743594
Primary regulator
State + NCUA
Established
1935
Headquarters
5300 N Fresno St, Fresno, CA 93710
Employees
7

Quick answers

Central Valley Firefighters Credit Union: common questions

Is Central Valley Firefighters Credit Union NCUA insured?

Yes. Central Valley Firefighters Credit Union is a federally insured credit union (NCUA charter #68008). 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 Valley Firefighters Credit Union's TellerScore?

87 out of 100 (Very strong), 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 Valley Firefighters Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Fresno

InstitutionScoreAssetsCapitalProblem loansCompare
Fresno Grangers Federal Credit UnionCredit union Fresno, CA98 out of 100, Very strong$25.9M24.6%0.00%vs
Educational Employees Credit UnionCredit union Fresno, CA96 out of 100, Very strong$5.4B14.6%0.20%vs
Operating Engineers Local Union #3 Federal Credit UnionCredit union Livermore, CA92 out of 100, Very strong$1.7B15.5%0.60%vs
Fresno Police Department Credit UnionCredit union Fresno, CA89 out of 100, Very strong$49.5M23.3%0.06%vs
Murphy BankBank Fresno, CA88 out of 100, Very strong$357.2M14.9%0.39%vs
Greater Valley Credit UnionCredit union Fresno, CA87 out of 100, Very strong$34.4M14.4%0.00%vs