Dow Great Western Credit Union is a federally insured state-chartered credit union headquartered in Antioch, California, in business for about 88 years. At the end of Q2 2026 it reported $48.2M in total assets and $45.2M in member shares and deposits, with 2 offices.
Based on its Q2 2026 filing, Dow Great Western Credit Union scores 52/100, which we describe as below average. That is higher than only 11% of 2,479 credit unions with under $100 million in assets. Among 238 credit unions headquartered in California, it ranks 216th. Its strongest component is funding & liquidity (100/100; 47% loans-to-deposits, 10% uninsured), and its lowest is earnings (0/100; -1.38%).
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 4 points (56 → 52), mostly because the capital cushion component weakened by 17 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 54 |
| Q3 2024 | 53 |
| Q4 2024 | 57 |
| Q1 2025 | 61 |
| Q2 2025 | 56 |
| Q3 2025 | 51 |
| Q4 2025 | 53 |
| Q1 2026 | 54 |
| Q2 2026 | 52 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 9.46% |
| Q3 2024 | 9.40% |
| Q4 2024 | 9.67% |
| Q1 2025 | 9.65% |
| Q2 2025 | 9.47% |
| Q3 2025 | 8.88% |
| Q4 2025 | 8.49% |
| Q1 2026 | 8.31% |
| Q2 2026 | 7.84% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 1.06% |
| Q3 2024 | 1.08% |
| Q4 2024 | 0.86% |
| Q1 2025 | 0.69% |
| Q2 2025 | 1.07% |
| Q3 2025 | 1.21% |
| Q4 2025 | 0.79% |
| Q1 2026 | 0.60% |
| Q2 2026 | 0.63% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | -0.66% |
| Q3 2024 | -0.64% |
| Q4 2024 | -0.35% |
| Q1 2025 | -0.13% |
| Q2 2025 | -0.21% |
| Q3 2025 | -0.94% |
| Q4 2025 | -0.92% |
| Q1 2026 | -0.86% |
| Q2 2026 | -1.38% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 52 | $48.2M | 7.84% | 0.63% | -1.38% | 47.5% |
| Q1 2026 | 54 | $48.2M | 8.31% | 0.60% | -0.86% | 49.6% |
| Q4 2025 | 53 | $48.4M | 8.49% | 0.79% | -0.92% | 42.8% |
| Q3 2025 | 51 | $47.7M | 8.88% | 1.21% | -0.94% | 45.7% |
| Q2 2025 | 56 | $47.8M | 9.47% | 1.07% | -0.21% | 47.0% |
| Q1 2025 | 61 | $47.2M | 9.65% | 0.69% | -0.13% | 49.0% |
| Q4 2024 | 57 | $47.3M | 9.67% | 0.86% | -0.35% | 52.2% |
| Q3 2024 | 53 | $48.1M | 9.40% | 1.08% | -0.64% | 52.9% |
| Q2 2024 | 54 | $48.6M | 9.46% | 1.06% | -0.66% | 53.8% |
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).
Similar-size credit unions in California
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Silverado Credit UnionCredit union Angwin, CA | 58 out of 100, Moderate | $47.9M | 11.7% | 1.12% | vs |
| United Catholics Federal Credit UnionCredit union Covina, CA | 74 out of 100, Strong | $49.3M | 9.8% | 0.02% | vs |
| Central Valley Firefighters Credit UnionCredit union Fresno, CA | 87 out of 100, Very strong | $49.5M | 13.7% | 0.42% | vs |
| Fresno Police Department Credit UnionCredit union Fresno, CA | 89 out of 100, Very strong | $49.5M | 23.3% | 0.06% | vs |
| California Adventist Federal Credit UnionCredit union Glendale, CA | 89 out of 100, Very strong | $44.7M | 20.1% | 0.04% | vs |
| U.P.S. Employees Federal Credit UnionCredit union Ontario, CA | 61 out of 100, Moderate | $51.8M | 7.5% | 0.26% | vs |
Deposit insurance
Is my money safe at Dow Great Western Credit Union?
Yes. Dow Great Western Credit Union is a federally insured credit union (NCUA charter #64503). 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 9.5% of shares and deposits ($4.3M) 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 7.84%, slightly above the 7% level regulators use as the "well capitalized" benchmark for this measure.
2 locations
Branches
Dow Great Western Credit Union lists 2 offices in 2 cities. Most locations:
- Antioch, CA (1)
- Walnut Creek, CA (1)
Identity & history
Profile
- Legal name
- Dow Great Western Credit Union
- Type
- Federally insured state-chartered credit union
- NCUA charter #
- 64503
- RSSD ID
- 992598
- Primary regulator
- State + NCUA
- Established
- 1938
- Headquarters
- 3457 Deer Valley Rd, PO Box 2059, Antioch, CA 94531
- Employees
- 8
Quick answers
Dow Great Western Credit Union: common questions
Is Dow Great Western Credit Union NCUA insured?
Yes. Dow Great Western Credit Union is a federally insured credit union (NCUA charter #64503). 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 Dow Great Western Credit Union's TellerScore?
52 out of 100 (Below average), 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 Dow Great Western Credit Union have?
2 offices as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Antioch
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Bank of StocktonBank Stockton, CA | 94 out of 100, Very strong | $5.0B | 19.9% | 0.08% | vs |
| Operating Engineers Local Union #3 Federal Credit UnionCredit union Livermore, CA | 92 out of 100, Very strong | $1.7B | 15.5% | 0.60% | vs |
| Smw 104 Federal Credit UnionCredit union Livermore, CA | 89 out of 100, Very strong | $117.9M | 12.7% | 0.32% | vs |
| Mokelumne Federal Credit UnionCredit union Lodi, CA | 88 out of 100, Very strong | $56.9M | 16.0% | 0.36% | vs |
| Certified Federal Credit UnionCredit union El Monte, CA | 88 out of 100, Very strong | $925.3M | 20.7% | 0.37% | vs |
| Sea West Coast Guard Federal Credit UnionCredit union Oakland, CA | 83 out of 100, Strong | $377.9M | 20.2% | 0.01% | vs |