TellerScore

Chula Vista City Employees Federal Credit Union (NCUA charter #18405) is based in Chula Vista, California. Its Q2 2026 call report shows $3.1M in total assets and $2.6M in member shares and deposits and 2 offices.

Based on its Q2 2026 filing, Chula Vista City Employees Federal Credit Union scores 71/100, which we describe as strong. That is higher than only 42% of 2,479 credit unions with under $100 million in assets. Among 238 credit unions headquartered in California, it ranks 112th. Its strongest component is earnings (100/100; 4.44%), and its lowest is capital cushion (33/100; 8.27%).

TellerScore · Q2 2026

Scorecard

Capital cushion33/100
Net worth ratio: 8.27%
Loan quality79/100
Loans 60+ days delinquent ÷ total loans: 0.64%
Earnings100/100
Return on assets (annualized): 4.44%
Funding & liquidity83/100
Loans ÷ shares: 77.2% · 0.0% uninsured
Problem-loan coverage90/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 4.96%

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 16 points (55 → 71), mostly because the earnings component improved by 100 points.

TellerScore
486071Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202463
Q3 202451
Q4 202462
Q1 202551
Q2 202555
Q3 202555
Q4 202548
Q1 202671
Q2 202671
Net worth ratio
5.44%6.97%8.51%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20247.83%
Q3 20247.69%
Q4 20248.32%
Q1 20258.00%
Q2 20257.54%
Q3 20257.68%
Q4 20255.44%
Q1 20268.51%
Q2 20268.27%
Delinquent loans (60+ days)
0.01%0.82%1.63%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.40%
Q3 20241.63%
Q4 20240.74%
Q1 20250.68%
Q2 20250.20%
Q3 20250.23%
Q4 20250.01%
Q1 20260.70%
Q2 20260.64%
Return on assets
-3.13%3.50%10.13%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.77%
Q3 20240.69%
Q4 20240.90%
Q1 2025-0.50%
Q2 2025-0.66%
Q3 2025-0.51%
Q4 2025-3.13%
Q1 202610.13%
Q2 20264.44%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202671$3.1M8.27%0.64%4.44%77.2%
Q1 202671$3.2M8.51%0.70%10.13%73.7%
Q4 202548$3.5M5.44%0.01%-3.13%65.4%
Q3 202555$3.7M7.68%0.23%-0.51%65.1%
Q2 202555$3.8M7.54%0.20%-0.66%65.1%
Q1 202551$3.7M8.00%0.68%-0.50%67.0%
Q4 202462$3.6M8.32%0.74%0.90%70.2%
Q3 202451$4.1M7.69%1.63%0.69%63.4%
Q2 202463$3.6M7.83%0.40%0.77%74.2%

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 ratio8.27%
5th
Problem loans0.64%
52nd
Net charge-offs-2.44%
100th
Return on assets4.44%
100th
Loans to deposits77.2%
23rd
Uninsured deposits0.0%
81st
Loan-loss reserves0.17%
74th
Texas ratio5.0%
29th

Similar-size credit unions in California

InstitutionScoreAssetsCapitalProblem loansCompare
Columbus Club Federal Credit UnionCredit union San Fernando, CA80 out of 100, Strong$3.1M26.6%0.00%vs
U.S.B. Employees Federal Credit UnionCredit union Wilmington, CA96 out of 100, Very strong$3.2M20.2%0.00%vs
Haven Federal Credit UnionCredit union San Francisco, CA— out of 100, Not scored$2.5M100.0%—vs
Sunkist Employees Federal Credit UnionCredit union Valencia, CA100 out of 100, Very strong$3.8M33.6%0.00%vs
Fountain Valley Credit UnionCredit union Fountain Valley, CA80 out of 100, Strong$2.0M23.0%0.00%vs
Valley Agricultural Federal Credit UnionCredit union Santa Paula, CA57 out of 100, Moderate$4.6M11.6%2.01%vs

Deposit insurance

Is my money safe at Chula Vista City Employees Federal Credit Union?

Yes. Chula Vista City Employees Federal Credit Union is a federally insured credit union (NCUA charter #18405). 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 0.0% of shares and deposits ($0) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 8.27%, slightly above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

2 locations

Branches

Chula Vista City Employees Federal Credit Union lists 2 offices in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Chula Vista City Employees Federal Credit Union
Type
Federal credit union
NCUA charter #
18405
RSSD ID
411080
Primary regulator
NCUA
Established
1967
Headquarters
276 Fourth Avenue, Chula Vista, CA 91910
Employees
2

Quick answers

Chula Vista City Employees Federal Credit Union: common questions

Is Chula Vista City Employees Federal Credit Union NCUA insured?

Yes. Chula Vista City Employees Federal Credit Union is a federally insured credit union (NCUA charter #18405). 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 Chula Vista City Employees Federal Credit Union's TellerScore?

71 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 Chula Vista City Employees Federal Credit Union have?

2 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Chula Vista

InstitutionScoreAssetsCapitalProblem loansCompare
Certified Federal Credit UnionCredit union El Monte, CA88 out of 100, Very strong$925.3M20.7%0.37%vs
San Diego County Credit UnionCredit union San Diego, CA86 out of 100, Very strong$9.5B19.8%0.20%vs
California Coast Credit UnionCredit union San Diego, CA85 out of 100, Very strong$3.5B13.9%0.26%vs
Home Bank of CaliforniaBank San Diego, CA84 out of 100, Strong$255.4M12.3%0.00%vs
Mission Federal Credit UnionCredit union San Diego, CA81 out of 100, Strong$7.3B12.3%0.15%vs
Sag-Aftra Federal Credit UnionCredit union Burbank, CA81 out of 100, Strong$335.6M13.1%0.63%vs