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.

From Q2 2025 to Q2 2026, the score fell 3 points (59 → 56), mostly because the loan quality component weakened by 6 points.

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

Yes. Edwards Federal Credit Union is a federally insured credit union (NCUA charter #14830). 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 11.0% of shares and deposits ($27.8M) 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 8.76%, slightly above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

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

• Edwards, CA (1)
• Palmdale, CA (1)

All branch addresses and map

In 2025, Edwards Federal Credit Union reported 27 home-loan applications under HMDA (LEI 549300L6L2UXMLMG8616): 27 originated ($2,225,000 total), 0 denied, and 0 withdrawn or closed by the applicant. Its denial rate on decided applications was 0.0%, 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.

Legal name

Edwards Federal Credit Union

Type

Federal credit union

NCUA charter #

14830

RSSD ID

656984

Primary regulator

NCUA

Established

1962

Headquarters

10 S Muroc Dr, Edwards, CA 93524

Employees

44