TellerScore

Headquartered in Concord, California, Chevron Federal Credit Union is a federal credit union with $5.4B in total assets and $4.7B in member shares and deposits as of Q2 2026. It operates 9 offices across 4 states. Its charter dates back to 1935.

Chevron Federal Credit Union has a TellerScore of 81 out of 100 (strong) based on Q2 2026 data — higher than 89% of its 454 credit unions with $1 billion – $10 billion. Among 238 credit unions headquartered in California, it ranks 46th. Problem-loan coverage contributes the most (95/100, 2.5%); funding & liquidity contributes the least (72/100, 88% loans-to-deposits, 12% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion74/100
Net worth ratio: 12.38%
Loan quality87/100
Loans 60+ days delinquent ÷ total loans: 0.38%
Earnings85/100
Return on assets (annualized): 1.64%
Funding & liquidity72/100
Loans ÷ shares: 87.8% · 12.0% uninsured
Problem-loan coverage95/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.48%

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 17 points (64 → 81), mostly because the earnings component improved by 85 points.

TellerScore
647687Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202487
Q3 202474
Q4 202475
Q1 202565
Q2 202564
Q3 202565
Q4 202564
Q1 202671
Q2 202681
Net worth ratio
7.00%10.50%14.00%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202414.00%
Q3 202413.48%
Q4 202413.27%
Q1 202512.57%
Q2 202512.67%
Q3 202512.58%
Q4 202512.16%
Q1 202611.54%
Q2 202612.38%
Delinquent loans (60+ days)
0.33%0.39%0.45%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.38%
Q3 20240.38%
Q4 20240.41%
Q1 20250.33%
Q2 20250.45%
Q3 20250.37%
Q4 20250.36%
Q1 20260.37%
Q2 20260.38%
Return on assets
-0.82%0.54%1.91%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.91%
Q3 20240.55%
Q4 20240.66%
Q1 2025-0.82%
Q2 2025-0.70%
Q3 2025-0.46%
Q4 2025-0.35%
Q1 20260.55%
Q2 20261.64%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202681$5.4B12.38%0.38%1.64%87.8%
Q1 202671$5.4B11.54%0.37%0.55%85.1%
Q4 202564$5.1B12.16%0.36%-0.35%91.9%
Q3 202565$5.0B12.58%0.37%-0.46%92.7%
Q2 202564$5.0B12.67%0.45%-0.70%91.8%
Q1 202565$5.1B12.57%0.33%-0.82%89.7%
Q4 202475$4.9B13.27%0.41%0.66%94.5%
Q3 202474$4.8B13.48%0.38%0.55%96.7%
Q2 202487$4.8B14.00%0.38%1.91%97.4%

454 peers · $1 billion – $10 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 ratio12.38%
73rd
Problem loans0.38%
83rd
Net charge-offs0.21%
84th
Return on assets1.64%
95th
Loans to deposits87.8%
51st
Uninsured deposits12.0%
28th
Loan-loss reserves0.00%
50th
Texas ratio2.5%
82nd

Similar-size credit unions in California

InstitutionScoreAssetsCapitalProblem loansCompare
Educational Employees Credit UnionCredit union Fresno, CA96 out of 100, Very strong$5.4B14.6%0.20%vs
California Federal Credit UnionCredit union Glendale, CA65 out of 100, Moderate$5.4B9.4%0.44%vs
Travis Credit UnionCredit union Vacaville, CA65 out of 100, Moderate$5.9B10.4%0.67%vs
Stanford Federal Credit UnionCredit union Palo Alto, CA73 out of 100, Strong$4.6B11.2%0.21%vs
Technology Credit UnionCredit union San Jose, CA62 out of 100, Moderate$4.5B11.3%0.57%vs
Safe Credit UnionCredit union Folsom, CA71 out of 100, Strong$4.4B10.8%0.52%vs

Deposit insurance

Is my money safe at Chevron Federal Credit Union?

Yes. Chevron Federal Credit Union is a federally insured credit union (NCUA charter #24326). 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 12.0% of shares and deposits ($560.8M) are above the $250,000 NCUA insurance limit, above the peer median of 9%. Insured balances are protected regardless of the score.

The net worth ratio is 12.38%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

9 locations

Branches

Chevron Federal Credit Union lists 9 offices in 8 cities across 4 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Chevron Federal Credit Union reported 2,187 home-loan applications under HMDA (LEI 549300VVH8HHFMWL8536): 1,457 originated ($593,095,000 total), 378 denied, and 337 withdrawn or closed by the applicant. Its denial rate on decided applications was 20.4%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Chevron Federal Credit Union
Type
Federal credit union
NCUA charter #
24326
RSSD ID
414894
Primary regulator
NCUA
Established
1935
Headquarters
2300 Clayton Rd Ste 700, Concord, CA 94520
Employees
349

Quick answers

Chevron Federal Credit Union: common questions

Is Chevron Federal Credit Union NCUA insured?

Yes. Chevron Federal Credit Union is a federally insured credit union (NCUA charter #24326). 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 Chevron Federal Credit Union's TellerScore?

81 out of 100 (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 Chevron Federal Credit Union have?

9 offices as of the latest NCUA data, in 4 states.