TellerScore

F & a Federal Credit Union (NCUA charter #1493) is based in Monterey Park, California. Its Q2 2026 call report shows $3.2B in total assets and $2.1B in member shares and deposits and 2 offices.

F & a Federal Credit Union has a TellerScore of 82 out of 100 (strong) based on Q2 2026 data — higher than 91% of its 454 credit unions with $1 billion – $10 billion. Among 238 credit unions headquartered in California, it ranks 41st. Funding & liquidity contributes the most (100/100, 60% loans-to-deposits, 13% uninsured); earnings contributes the least (61/100, 1.02%).

TellerScore · Q2 2026

Scorecard

Capital cushion76/100
Net worth ratio: 12.59%
Loan quality88/100
Loans 60+ days delinquent ÷ total loans: 0.36%
Earnings61/100
Return on assets (annualized): 1.02%
Funding & liquidity100/100
Loans ÷ shares: 59.6% · 12.7% uninsured
Problem-loan coverage98/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.15%

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 (81 → 82).

TellerScore
798182Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202482
Q3 202482
Q4 202481
Q1 202580
Q2 202581
Q3 202579
Q4 202579
Q1 202680
Q2 202682
Net worth ratio
7.00%9.97%12.95%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202412.95%
Q3 202412.74%
Q4 202412.87%
Q1 202512.43%
Q2 202512.84%
Q3 202512.72%
Q4 202512.60%
Q1 202612.53%
Q2 202612.59%
Delinquent loans (60+ days)
0.08%0.22%0.36%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.20%
Q3 20240.08%
Q4 20240.20%
Q1 20250.11%
Q2 20250.21%
Q3 20250.26%
Q4 20250.26%
Q1 20260.21%
Q2 20260.36%
Return on assets
0.60%0.81%1.02%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.78%
Q3 20240.70%
Q4 20240.66%
Q1 20250.64%
Q2 20250.64%
Q3 20250.60%
Q4 20250.62%
Q1 20260.71%
Q2 20261.02%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202682$3.2B12.59%0.36%1.02%59.6%
Q1 202680$3.1B12.53%0.21%0.71%59.7%
Q4 202579$3.0B12.60%0.26%0.62%60.8%
Q3 202579$2.9B12.72%0.26%0.60%59.1%
Q2 202581$2.9B12.84%0.21%0.64%60.0%
Q1 202580$2.8B12.43%0.11%0.64%58.9%
Q4 202481$2.7B12.87%0.20%0.66%58.0%
Q3 202482$2.7B12.74%0.08%0.70%58.3%
Q2 202482$2.6B12.95%0.20%0.78%58.7%

454 peers · $1 billion – $10 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 ratio12.59%
75th
Problem loans0.36%
85th
Net charge-offs0.06%
97th
Return on assets1.02%
69th
Loans to deposits59.6%
93rd
Uninsured deposits12.7%
23rd
Loan-loss reserves0.00%
50th
Texas ratio1.2%
95th

Similar-size credit unions in California

InstitutionScoreAssetsCapitalProblem loansCompare
Orange County'S Federal Credit UnionCredit union Santa Ana, CA70 out of 100, Strong$3.1B10.7%0.65%vs
Premier America Credit UnionCredit union Chatsworth, CA41 out of 100, Below average$3.3B9.5%1.80%vs
Arrowhead Federal Credit UnionCredit union Rancho Cucamong, CA72 out of 100, Strong$2.9B11.4%0.90%vs
California Coast Credit UnionCredit union San Diego, CA85 out of 100, Very strong$3.5B13.9%0.26%vs
Partners Federal Credit UnionCredit union Burbank, CA68 out of 100, Moderate$2.8B11.7%0.74%vs
Provident Credit UnionCredit union Redwood City, CA72 out of 100, Strong$3.6B10.9%0.07%vs

Deposit insurance

Is my money safe at F & a Federal Credit Union?

Yes. F & a Federal Credit Union is a federally insured credit union (NCUA charter #1493). 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 12.7% of shares and deposits ($261.4M) are above the $250,000 NCUA insurance limit, above the peer median of 9%. Insured balances are protected regardless of the score.

The net worth ratio is 12.59%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

2 locations

Branches

F & a Federal Credit Union lists 2 offices in 2 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, F & a Federal Credit Union reported 697 home-loan applications under HMDA (LEI 254900BBEPZS8MDE1S61): 500 originated ($148,290,000 total), 49 denied, and 122 withdrawn or closed by the applicant. Its denial rate on decided applications was 8.5%, 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
F & a Federal Credit Union
Type
Federal credit union
NCUA charter #
1493
RSSD ID
304070
Primary regulator
NCUA
Established
1936
Headquarters
2625 Corporate Pl, Monterey Park, CA 91754
Employees
108

Quick answers

F & a Federal Credit Union: common questions

Is F & a Federal Credit Union NCUA insured?

Yes. F & a Federal Credit Union is a federally insured credit union (NCUA charter #1493). 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 F & a Federal Credit Union's TellerScore?

82 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 F & a Federal Credit Union have?

2 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Monterey Park

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
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
Asian Pacific National BankBank San Gabriel, CA89 out of 100, Very strong$56.9M20.1%0.00%vs
California Adventist Federal Credit UnionCredit union Glendale, CA89 out of 100, Very strong$44.7M20.1%0.04%vs
Certified Federal Credit UnionCredit union El Monte, CA88 out of 100, Very strong$925.3M20.7%0.37%vs