Headquartered in El Centro, California, Corazo Credit Union is a federally insured state-chartered credit union with $243.6M in total assets and $208.2M in member shares and deposits as of Q2 2026. It operates 6 offices. Its charter dates back to 1942.
Based on its Q2 2026 filing, Corazo 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 184th. Its strongest component is capital cushion (90/100; 14.01%), and its lowest is loan quality (16/100; 2.51%).
TellerScore · Q2 2026
Scorecard
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 fell 22 points (81 → 59), mostly because the earnings component weakened by 53 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 74 |
| Q3 2024 | 76 |
| Q4 2024 | 67 |
| Q1 2025 | 75 |
| Q2 2025 | 81 |
| Q3 2025 | 80 |
| Q4 2025 | 74 |
| Q1 2026 | 59 |
| Q2 2026 | 59 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 13.14% |
| Q3 2024 | 13.34% |
| Q4 2024 | 12.37% |
| Q1 2025 | 12.20% |
| Q2 2025 | 14.83% |
| Q3 2025 | 15.12% |
| Q4 2025 | 14.21% |
| Q1 2026 | 13.78% |
| Q2 2026 | 14.01% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 1.23% |
| Q3 2024 | 0.99% |
| Q4 2024 | 1.39% |
| Q1 2025 | 1.45% |
| Q2 2025 | 1.48% |
| Q3 2025 | 1.57% |
| Q4 2025 | 2.03% |
| Q1 2026 | 1.89% |
| Q2 2026 | 2.51% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.42% |
| Q3 2024 | 1.49% |
| Q4 2024 | 1.05% |
| Q1 2025 | 2.14% |
| Q2 2025 | 4.92% |
| Q3 2025 | 3.70% |
| Q4 2025 | 2.81% |
| Q1 2026 | -0.01% |
| Q2 2026 | 0.66% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 59 | $243.6M | 14.01% | 2.51% | 0.66% | 85.8% |
| Q1 2026 | 59 | $241.8M | 13.78% | 1.89% | -0.01% | 84.8% |
| Q4 2025 | 74 | $234.6M | 14.21% | 2.03% | 2.81% | 90.4% |
| Q3 2025 | 80 | $219.6M | 15.12% | 1.57% | 3.70% | 98.6% |
| Q2 2025 | 81 | $219.1M | 14.83% | 1.48% | 4.92% | 91.3% |
| Q1 2025 | 75 | $232.7M | 12.20% | 1.45% | 2.14% | 82.7% |
| Q4 2024 | 67 | $219.3M | 12.37% | 1.39% | 1.05% | 87.9% |
| Q3 2024 | 76 | $206.2M | 13.34% | 0.99% | 1.49% | 98.9% |
| Q2 2024 | 74 | $202.8M | 13.14% | 1.23% | 1.42% | 88.0% |
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).
Similar-size credit unions in California
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| F3 Credit UnionCredit union San Jose, CA | 80 out of 100, Strong | $236.8M | 18.5% | 1.05% | vs |
| Sri Federal Credit UnionCredit union Menlo Park, CA | 76 out of 100, Strong | $236.2M | 12.7% | 0.17% | vs |
| Chaffey Federal Credit UnionCredit union Upland, CA | 59 out of 100, Moderate | $230.4M | 7.7% | 0.26% | vs |
| Central State Credit UnionCredit union Stockton, CA | 65 out of 100, Moderate | $258.2M | 9.0% | 0.40% | vs |
| Clearpath Federal Credit UnionCredit union Burbank, CA | 55 out of 100, Moderate | $228.6M | 8.5% | 0.28% | vs |
| Long Beach City Employees Federal Credit UnionCredit union Signal Hill, CA | 83 out of 100, Strong | $270.6M | 13.8% | 0.01% | vs |
Deposit insurance
Is my money safe at Corazo Credit Union?
Yes. Corazo Credit Union is a federally insured credit union (NCUA charter #68356). 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 ($25.0M) are above the $250,000 NCUA insurance limit, above the peer median of 6%. Insured balances are protected regardless of the score.
The net worth ratio is 14.01%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
6 locations
Branches
Corazo Credit Union lists 6 offices in 5 cities. Most locations:
- Imperial, CA (2)
- Brawley, CA (1)
- Calexico, CA (1)
- El Centro, CA (1)
- La Quinta, CA (1)
Identity & history
Profile
- Legal name
- Corazo Credit Union
- Type
- Federally insured state-chartered credit union
- NCUA charter #
- 68356
- RSSD ID
- 222875
- Primary regulator
- State + NCUA
- Established
- 1942
- Headquarters
- P O Box 3247, El Centro, CA 92244
- Employees
- 69
Quick answers
Corazo Credit Union: common questions
Is Corazo Credit Union NCUA insured?
Yes. Corazo Credit Union is a federally insured credit union (NCUA charter #68356). 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 Corazo 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 Corazo Credit Union have?
6 offices as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near El Centro
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Mechanics BankBank Walnut Creek, CA | 65 out of 100, Moderate | $21.2B | 9.4% | 0.41% | vs |
| JPMorgan Chase Bank, National AssociationBank Columbus, OH | 61 out of 100, Moderate | $4.1T | 7.5% | 0.78% | vs |
| Bank of America, National AssociationBank Charlotte, NC | 59 out of 100, Moderate | $2.7T | 7.1% | 0.65% | vs |
| Wells Fargo Bank, National AssociationBank Sioux Falls, SD | 58 out of 100, Moderate | $1.9T | 8.0% | 1.04% | vs |
| Sun Community Federal Credit UnionCredit union El Centro, CA | 56 out of 100, Moderate | $895.6M | 8.4% | 0.25% | vs |
| U.S. Bank National AssociationBank Cincinnati, OH | 55 out of 100, Moderate | $705.6B | 9.5% | 1.45% | vs |