TellerScore

Chaffey Federal Credit Union is a federal credit union headquartered in Upland, California, in business for about 62 years. At the end of Q2 2026 it reported $230.4M in total assets and $202.7M in member shares and deposits, with 1 office.

Based on its Q2 2026 filing, Chaffey Federal Credit Union scores 59/100, which we describe as moderate. That is higher than only 19% of 1,341 credit unions with $100 million – $1 billion. Among 238 credit unions headquartered in California, it ranks 185th. Its strongest component is funding & liquidity (100/100; 59% loans-to-deposits, 4% uninsured), and its lowest is earnings (17/100; -0.08%).

TellerScore · Q2 2026

Scorecard

Capital cushion27/100
Net worth ratio: 7.74%
Loan quality91/100
Loans 60+ days delinquent ÷ total loans: 0.26%
Earnings17/100
Return on assets (annualized): -0.08%
Funding & liquidity100/100
Loans ÷ shares: 58.5% · 3.5% uninsured
Problem-loan coverage96/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.10%

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 7 points (52 → 59), mostly because the loan quality component improved by 20 points.

TellerScore
525660Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202459
Q3 202459
Q4 202458
Q1 202557
Q2 202552
Q3 202555
Q4 202560
Q1 202659
Q2 202659
Net worth ratio
7.00%7.42%7.83%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20247.76%
Q3 20247.82%
Q4 20247.78%
Q1 20257.57%
Q2 20257.50%
Q3 20257.71%
Q4 20257.83%
Q1 20267.79%
Q2 20267.74%
Delinquent loans (60+ days)
0.17%0.52%0.86%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.24%
Q3 20240.31%
Q4 20240.39%
Q1 20250.42%
Q2 20250.86%
Q3 20250.52%
Q4 20250.17%
Q1 20260.31%
Q2 20260.26%
Return on assets
-0.16%-0.06%0.04%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 2024-0.01%
Q3 20240.04%
Q4 2024-0.00%
Q1 2025-0.04%
Q2 2025-0.08%
Q3 2025-0.16%
Q4 2025-0.02%
Q1 2026-0.11%
Q2 2026-0.08%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202659$230.4M7.74%0.26%-0.08%58.5%
Q1 202659$229.1M7.79%0.31%-0.11%59.5%
Q4 202560$228.6M7.83%0.17%-0.02%60.7%
Q3 202555$229.4M7.71%0.52%-0.16%62.3%
Q2 202552$238.3M7.50%0.86%-0.08%60.5%
Q1 202557$237.1M7.57%0.42%-0.04%60.6%
Q4 202458$230.9M7.78%0.39%-0.00%63.0%
Q3 202459$230.9M7.82%0.31%0.04%63.5%
Q2 202459$231.5M7.76%0.24%-0.01%64.0%

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 ratio7.74%
2nd
Problem loans0.26%
85th
Net charge-offs0.23%
66th
Return on assets-0.08%
4th
Loans to deposits58.5%
79th
Uninsured deposits3.5%
77th
Loan-loss reserves0.00%
50th
Texas ratio2.1%
75th

Similar-size credit unions in California

InstitutionScoreAssetsCapitalProblem loansCompare
Clearpath Federal Credit UnionCredit union Burbank, CA55 out of 100, Moderate$228.6M8.5%0.28%vs
Sri Federal Credit UnionCredit union Menlo Park, CA76 out of 100, Strong$236.2M12.7%0.17%vs
F3 Credit UnionCredit union San Jose, CA80 out of 100, Strong$236.8M18.5%1.05%vs
Corazo Credit UnionCredit union El Centro, CA59 out of 100, Moderate$243.6M14.0%2.51%vs
Alta Vista Credit UnionCredit union Redlands, CA61 out of 100, Moderate$208.6M8.9%0.51%vs
Merco Credit UnionCredit union Merced, CA70 out of 100, Strong$207.3M12.6%1.34%vs

Deposit insurance

Is my money safe at Chaffey Federal Credit Union?

Yes. Chaffey Federal Credit Union is a federally insured credit union (NCUA charter #16030). 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 3.5% of shares and deposits ($7.2M) are above the $250,000 NCUA insurance limit, below the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 7.74%, slightly 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

Chaffey Federal Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Chaffey Federal Credit Union
Type
Federal credit union
NCUA charter #
16030
RSSD ID
622185
Primary regulator
NCUA
Established
1964
Headquarters
PO Box 700, Upland, CA 91785
Employees
45

Quick answers

Chaffey Federal Credit Union: common questions

Is Chaffey Federal Credit Union NCUA insured?

Yes. Chaffey Federal Credit Union is a federally insured credit union (NCUA charter #16030). 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 Chaffey Federal Credit Union's TellerScore?

59 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 Chaffey Federal Credit Union have?

1 office as of the latest NCUA data.