TellerScore

Headquartered in Hanford, California, Families and Schools Together Federal Credit Union is a federal credit union with $329.6M in total assets and $260.3M in member shares and deposits as of Q2 2026. It operates 3 offices. Its charter dates back to 1954.

Families and Schools Together Federal Credit Union has a TellerScore of 92 out of 100 (very strong) based on Q2 2026 data — higher than 97% of its 1,341 credit unions with $100 million – $1 billion. Among 238 credit unions headquartered in California, it ranks 9th. Capital cushion contributes the most (100/100, 20.04%); funding & liquidity contributes the least (67/100, 93% loans-to-deposits, 13% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 20.04%
Loan quality88/100
Loans 60+ days delinquent ÷ total loans: 0.37%
Earnings100/100
Return on assets (annualized): 2.52%
Funding & liquidity67/100
Loans ÷ shares: 93.2% · 12.6% uninsured
Problem-loan coverage97/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.35%

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 (93 → 92).

TellerScore
909293Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202493
Q3 202493
Q4 202493
Q1 202593
Q2 202593
Q3 202591
Q4 202590
Q1 202693
Q2 202692
Net worth ratio
7.00%13.52%20.04%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNet worth ratio
Q2 202416.64%
Q3 202417.40%
Q4 202418.33%
Q1 202518.60%
Q2 202519.14%
Q3 202519.35%
Q4 202519.60%
Q1 202619.54%
Q2 202620.04%
Delinquent loans (60+ days)
0.18%0.31%0.45%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterDelinquent loans (60+ days)
Q2 20240.26%
Q3 20240.25%
Q4 20240.23%
Q1 20250.26%
Q2 20250.18%
Q3 20250.39%
Q4 20250.45%
Q1 20260.21%
Q2 20260.37%
Return on assets
2.48%2.71%2.94%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20242.67%
Q3 20242.76%
Q4 20242.78%
Q1 20252.89%
Q2 20252.94%
Q3 20252.87%
Q4 20252.77%
Q1 20262.48%
Q2 20262.52%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202692$329.6M20.04%0.37%2.52%93.2%
Q1 202693$328.1M19.54%0.21%2.48%92.7%
Q4 202590$316.7M19.60%0.45%2.77%97.2%
Q3 202591$310.0M19.35%0.39%2.87%94.6%
Q2 202593$301.7M19.14%0.18%2.94%93.3%
Q1 202593$299.3M18.60%0.26%2.89%92.5%
Q4 202493$292.0M18.33%0.23%2.78%90.7%
Q3 202493$296.1M17.40%0.25%2.76%89.6%
Q2 202493$296.6M16.64%0.26%2.67%90.2%

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 ratio20.04%
97th
Problem loans0.37%
77th
Net charge-offs0.30%
57th
Return on assets2.52%
99th
Loans to deposits93.2%
11th
Uninsured deposits12.6%
9th
Loan-loss reserves0.00%
50th
Texas ratio1.3%
85th

Similar-size credit unions in California

InstitutionScoreAssetsCapitalProblem loansCompare
Downey Federal Credit UnionCredit union Downey, CA59 out of 100, Moderate$327.9M8.8%0.52%vs
Ume Federal Credit UnionCredit union Burbank, CA74 out of 100, Strong$327.9M9.9%0.54%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 Families and Schools Together Federal Credit Union?

Yes. Families and Schools Together Federal Credit Union is a federally insured credit union (NCUA charter #9109). 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 12.6% of shares and deposits ($32.7M) 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 20.04%, well 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

Families and Schools Together Federal Credit Union lists 3 offices in 3 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Families and Schools Together Federal Credit Union reported 111 home-loan applications under HMDA (LEI 549300I8D8TQDQWQAO82): 38 originated ($3,330,000 total), 38 denied, and 19 withdrawn or closed by the applicant. Its denial rate on decided applications was 41.3%, 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
Families and Schools Together Federal Credit Union
Type
Federal credit union
NCUA charter #
9109
RSSD ID
310585
Primary regulator
NCUA
Established
1954
Headquarters
312 W 7th St, Hanford, CA 93230
Employees
46

Quick answers

Families and Schools Together Federal Credit Union: common questions

Is Families and Schools Together Federal Credit Union NCUA insured?

Yes. Families and Schools Together Federal Credit Union is a federally insured credit union (NCUA charter #9109). 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 Families and Schools Together Federal Credit Union's TellerScore?

92 out of 100 (Very 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 Families and Schools Together Federal Credit Union have?

3 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Hanford

InstitutionScoreAssetsCapitalProblem loansCompare
Educational Employees Credit UnionCredit union Fresno, CA96 out of 100, Very strong$5.4B14.6%0.20%vs
Kings Federal Credit UnionCredit union Hanford, CA86 out of 100, Very strong$162.5M16.0%0.64%vs
Mission BankBank Bakersfield, CA80 out of 100, Strong$2.0B12.2%0.02%vs
Westamerica BankBank San Rafael, CA78 out of 100, Strong$5.8B10.3%0.12%vs
Bank of the SierraBank Porterville, CA77 out of 100, Strong$3.7B12.2%0.43%vs
Tucoemas Federal Credit UnionCredit union Visalia, CA74 out of 100, Strong$332.0M10.3%1.25%vs