El Monte Community Credit Union (NCUA charter #95072) is based in El Monte, California. Its Q2 2026 call report shows $34.4M in total assets and $30.3M in member shares and deposits and 2 offices across 2 states.
El Monte Community Credit Union has a TellerScore of 76 out of 100 (strong) based on Q2 2026 data — higher than 54% of its 2,479 credit unions with under $100 million in assets. Among 238 credit unions headquartered in California, it ranks 84th. Funding & liquidity contributes the most (100/100, 60% loans-to-deposits, 0% uninsured); earnings contributes the least (50/100, 0.74%).
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
The score has been essentially flat from Q2 2025 to Q2 2026 (76 → 76).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 68 |
| Q3 2024 | 70 |
| Q4 2024 | 73 |
| Q1 2025 | 73 |
| Q2 2025 | 76 |
| Q3 2025 | 77 |
| Q4 2025 | 79 |
| Q1 2026 | 74 |
| Q2 2026 | 76 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 8.66% |
| Q3 2024 | 8.82% |
| Q4 2024 | 9.40% |
| Q1 2025 | 9.47% |
| Q2 2025 | 9.82% |
| Q3 2025 | 10.12% |
| Q4 2025 | 10.98% |
| Q1 2026 | 10.67% |
| Q2 2026 | 10.44% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.08% |
| Q3 2024 | 0.06% |
| Q4 2024 | 0.06% |
| Q1 2025 | 0.11% |
| Q2 2025 | 0.12% |
| Q3 2025 | 0.18% |
| Q4 2025 | 0.29% |
| Q1 2026 | 0.21% |
| Q2 2026 | 0.06% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.51% |
| Q3 2024 | 0.67% |
| Q4 2024 | 0.78% |
| Q1 2025 | 0.87% |
| Q2 2025 | 1.06% |
| Q3 2025 | 1.18% |
| Q4 2025 | 1.31% |
| Q1 2026 | 0.57% |
| Q2 2026 | 0.74% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 76 | $34.4M | 10.44% | 0.06% | 0.74% | 59.6% |
| Q1 2026 | 74 | $33.0M | 10.67% | 0.21% | 0.57% | 59.5% |
| Q4 2025 | 79 | $31.6M | 10.98% | 0.29% | 1.31% | 62.3% |
| Q3 2025 | 77 | $33.1M | 10.12% | 0.18% | 1.18% | 57.0% |
| Q2 2025 | 76 | $33.0M | 9.82% | 0.12% | 1.06% | 54.9% |
| Q1 2025 | 73 | $33.1M | 9.47% | 0.11% | 0.87% | 54.3% |
| Q4 2024 | 73 | $32.6M | 9.40% | 0.06% | 0.78% | 55.3% |
| Q3 2024 | 70 | $33.8M | 8.82% | 0.06% | 0.67% | 52.6% |
| Q2 2024 | 68 | $33.4M | 8.66% | 0.08% | 0.51% | 48.2% |
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).
Similar-size credit unions in California
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Greater Valley Credit UnionCredit union Fresno, CA | 87 out of 100, Very strong | $34.4M | 14.4% | 0.00% | vs |
| Utility District Credit UnionCredit union Oakland, CA | 71 out of 100, Strong | $34.2M | 9.3% | 0.57% | vs |
| Antioch Community Federal Credit UnionCredit union Antioch, CA | 79 out of 100, Strong | $33.8M | 15.2% | 1.53% | vs |
| Corrections Federal Credit UnionCredit union Soledad, CA | 58 out of 100, Moderate | $36.1M | 8.5% | 0.07% | vs |
| Hanin Federal Credit UnionCredit union Los Angeles, CA | 69 out of 100, Moderate | $32.4M | 13.8% | 1.07% | vs |
| Fox Federal Credit UnionCredit union Los Angeles, CA | 57 out of 100, Moderate | $36.6M | 9.4% | 0.35% | vs |
Deposit insurance
Is my money safe at El Monte Community Credit Union?
El Monte Community Credit Union files NCUA call reports but its charter type is recorded as not federally insured. Ask the credit union how deposits are insured.
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 10.44%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.
2 locations
Branches
El Monte Community Credit Union lists 2 offices in 2 cities across 2 states. Most locations:
- El Monte, CA (1)
- Frisco, TX (1)
Identity & history
Profile
- Legal name
- El Monte Community Credit Union
- Type
- Non-federally insured state credit union
- NCUA charter #
- 95072
- RSSD ID
- 248996
- Primary regulator
- State + NCUA
- Established
- 1956
- Headquarters
- 11718 Ramona Blvd, El Monte, CA 91732
- Employees
- 8
Quick answers
El Monte Community Credit Union: common questions
Is El Monte Community Credit Union NCUA insured?
El Monte Community Credit Union files NCUA call reports but its charter type is recorded as not federally insured. Ask the credit union how deposits are insured.
What is El Monte Community Credit Union's TellerScore?
76 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 El Monte Community Credit Union have?
2 offices as of the latest NCUA data, in 2 states.
Nearby
Highest-scoring banks and credit unions with branches near El Monte
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The Bank of New York Mellon Trust Company, National AssociationBank Los Angeles, CA | 100 out of 100, Very strong | $1.4B | 63.5% | 0.00% | 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 |
| Long Beach Firemen S Credit UnionCredit union Long Beach, CA | 91 out of 100, Very strong | $201.5M | 29.4% | 0.02% | vs |
| Asian Pacific National BankBank San Gabriel, CA | 89 out of 100, Very strong | $56.9M | 20.1% | 0.00% | vs |
| California Adventist Federal Credit UnionCredit union Glendale, CA | 89 out of 100, Very strong | $44.7M | 20.1% | 0.04% | vs |
| Certified Federal Credit UnionCredit union El Monte, CA | 88 out of 100, Very strong | $925.3M | 20.7% | 0.37% | vs |