TellerScore

Downey Federal Credit Union is a federal credit union headquartered in Downey, California, in business for about 69 years. At the end of Q2 2026 it reported $327.9M in total assets and $267.9M in member shares and deposits, with 3 offices.

Downey Federal Credit Union has a TellerScore of 59 out of 100 (moderate) based on Q2 2026 data — higher than only 19% of its 1,341 credit unions with $100 million – $1 billion. Among 238 credit unions headquartered in California, it ranks 183rd. Funding & liquidity contributes the most (95/100, 65% loans-to-deposits, 6% uninsured); earnings contributes the least (33/100, 0.32%).

TellerScore · Q2 2026

Scorecard

Capital cushion38/100
Net worth ratio: 8.80%
Loan quality83/100
Loans 60+ days delinquent ÷ total loans: 0.52%
Earnings33/100
Return on assets (annualized): 0.32%
Funding & liquidity95/100
Loans ÷ shares: 64.9% · 6.4% uninsured
Problem-loan coverage64/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 17.82%

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 28 points (31 → 59), mostly because the loan quality component improved by 83 points.

TellerScore
314559Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202459
Q3 202459
Q4 202436
Q1 202536
Q2 202531
Q3 202533
Q4 202553
Q1 202659
Q2 202659
Net worth ratio
7.00%8.28%9.56%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNet worth ratio
Q2 20249.17%
Q3 20249.18%
Q4 20249.56%
Q1 20259.41%
Q2 20259.19%
Q3 20259.19%
Q4 20258.70%
Q1 20268.64%
Q2 20268.80%
Delinquent loans (60+ days)
0.46%2.82%5.19%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterDelinquent loans (60+ days)
Q2 20240.69%
Q3 20240.74%
Q4 20245.19%
Q1 20254.77%
Q2 20254.70%
Q3 20254.83%
Q4 20250.46%
Q1 20260.48%
Q2 20260.52%
Return on assets
-0.59%-0.13%0.33%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20240.01%
Q3 20240.05%
Q4 20240.03%
Q1 20250.05%
Q2 2025-0.36%
Q3 2025-0.17%
Q4 2025-0.59%
Q1 20260.33%
Q2 20260.32%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202659$327.9M8.80%0.52%0.32%64.9%
Q1 202659$331.2M8.64%0.48%0.33%65.0%
Q4 202553$328.0M8.70%0.46%-0.59%67.3%
Q3 202533$326.8M9.19%4.83%-0.17%70.2%
Q2 202531$325.0M9.19%4.70%-0.36%71.1%
Q1 202536$324.4M9.41%4.77%0.05%68.3%
Q4 202436$320.9M9.56%5.19%0.03%67.1%
Q3 202459$334.6M9.18%0.74%0.05%64.8%
Q2 202459$333.8M9.17%0.69%0.01%65.8%

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 ratio8.80%
11th
Problem loans0.52%
63rd
Net charge-offs0.28%
60th
Return on assets0.32%
19th
Loans to deposits64.9%
70th
Uninsured deposits6.4%
45th
Loan-loss reserves0.00%
50th
Texas ratio17.8%
3rd

Similar-size credit unions in California

InstitutionScoreAssetsCapitalProblem loansCompare
Ume Federal Credit UnionCredit union Burbank, CA74 out of 100, Strong$327.9M9.9%0.54%vs
Families and Schools Together Federal Credit UnionCredit union Hanford, CA92 out of 100, Very strong$329.6M20.0%0.37%vs
Tucoemas Federal Credit UnionCredit union Visalia, CA74 out of 100, Strong$332.0M10.3%1.25%vs
Sag-Aftra Federal Credit UnionCredit union Burbank, CA81 out of 100, Strong$335.6M13.1%0.63%vs
Strata Federal Credit UnionCredit union Bakersfield, CA78 out of 100, Strong$344.5M14.2%0.23%vs
Santa Barbara Teachers Federal Credit UnionCredit union Santa Barbara, CA88 out of 100, Very strong$308.5M13.8%0.01%vs

Deposit insurance

Is my money safe at Downey Federal Credit Union?

Yes. Downey Federal Credit Union is a federally insured credit union (NCUA charter #11870). 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 6.4% of shares and deposits ($17.0M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 8.80%, slightly above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

3 locations

Branches

Downey Federal Credit Union lists 3 offices in 2 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Downey Federal Credit Union reported 180 home-loan applications under HMDA (LEI 25490010EMNKWA8L9813): 85 originated ($11,955,000 total), 38 denied, and 57 withdrawn or closed by the applicant. Its denial rate on decided applications was 30.9%, 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
Downey Federal Credit Union
Type
Federal credit union
NCUA charter #
11870
RSSD ID
952985
Primary regulator
NCUA
Established
1957
Headquarters
8237 3rd St, Downey, CA 90241
Employees
72

Quick answers

Downey Federal Credit Union: common questions

Is Downey Federal Credit Union NCUA insured?

Yes. Downey Federal Credit Union is a federally insured credit union (NCUA charter #11870). 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 Downey 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 Downey Federal Credit Union have?

3 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Downey

InstitutionScoreAssetsCapitalProblem loansCompare
The Bank of New York Mellon Trust Company, National AssociationBank Los Angeles, CA100 out of 100, Very strong$1.4B63.5%0.00%vs
Capital Bank and Trust CompanyBank Irvine, CA94 out of 100, Very strong$266.1M79.3%0.00%vs
Operating Engineers Local Union #3 Federal Credit UnionCredit union Livermore, CA92 out of 100, Very strong$1.7B15.5%0.60%vs
Long Beach Firemen S Credit UnionCredit union Long Beach, CA91 out of 100, Very strong$201.5M29.4%0.02%vs
Santa Ana Federal Credit UnionCredit union Santa Ana, CA90 out of 100, Very strong$111.6M13.5%0.06%vs
Asian Pacific National BankBank San Gabriel, CA89 out of 100, Very strong$56.9M20.1%0.00%vs