TellerScore

Headquartered in Los Angeles, California, Farmers Insurance Federal Credit Union is a federal credit union with $1.3B in total assets and $1.1B in member shares and deposits as of Q2 2026. It operates 5 offices across 4 states. Its charter dates back to 1936.

Based on its Q2 2026 filing, Farmers Insurance Federal Credit Union scores 49/100, which we describe as below average. That is higher than only 5% of 454 credit unions with $1 billion – $10 billion. Among 238 credit unions headquartered in California, it ranks 223rd. Its strongest component is problem-loan coverage (71/100; 14.3%), and its lowest is earnings (32/100; 0.30%).

TellerScore · Q2 2026

Scorecard

Capital cushion49/100
Net worth ratio: 9.86%
Loan quality48/100
Loans 60+ days delinquent ÷ total loans: 1.57%
Earnings32/100
Return on assets (annualized): 0.30%
Funding & liquidity56/100
Loans ÷ shares: 103.8% · 9.0% uninsured
Problem-loan coverage71/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 14.33%

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 7 points (42 → 49), mostly because the earnings component improved by 19 points.

TellerScore
424751Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202445
Q3 202444
Q4 202443
Q1 202545
Q2 202542
Q3 202545
Q4 202547
Q1 202651
Q2 202649
Net worth ratio
7.00%8.43%9.86%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20249.42%
Q3 20249.52%
Q4 20249.00%
Q1 20258.91%
Q2 20259.25%
Q3 20259.81%
Q4 20259.67%
Q1 20269.54%
Q2 20269.86%
Delinquent loans (60+ days)
1.07%1.36%1.65%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.25%
Q3 20241.25%
Q4 20241.15%
Q1 20251.07%
Q2 20251.63%
Q3 20251.65%
Q4 20251.53%
Q1 20261.31%
Q2 20261.57%
Return on assets
-0.66%-0.15%0.36%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 2024-0.19%
Q3 2024-0.36%
Q4 2024-0.66%
Q1 2025-0.34%
Q2 2025-0.17%
Q3 20250.09%
Q4 20250.19%
Q1 20260.36%
Q2 20260.30%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202649$1.3B9.86%1.57%0.30%103.8%
Q1 202651$1.4B9.54%1.31%0.36%100.5%
Q4 202547$1.3B9.67%1.53%0.19%105.9%
Q3 202545$1.3B9.81%1.65%0.09%106.5%
Q2 202542$1.4B9.25%1.63%-0.17%102.9%
Q1 202545$1.4B8.91%1.07%-0.34%106.3%
Q4 202443$1.4B9.00%1.15%-0.66%111.7%
Q3 202444$1.5B9.52%1.25%-0.36%112.0%
Q2 202445$1.5B9.42%1.25%-0.19%111.5%

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 ratio9.86%
26th
Problem loans1.57%
8th
Net charge-offs1.36%
4th
Return on assets0.30%
11th
Loans to deposits103.8%
8th
Uninsured deposits9.0%
53rd
Loan-loss reserves0.00%
50th
Texas ratio14.3%
6th

Similar-size credit unions in California

InstitutionScoreAssetsCapitalProblem loansCompare
Pacific Service Credit UnionCredit union Concord, CA82 out of 100, Strong$1.3B15.5%0.35%vs
Southland Credit UnionCredit union Los Alamitos, CA49 out of 100, Below average$1.3B8.6%1.48%vs
Rize Federal Credit UnionCredit union El Monte, CA54 out of 100, Below average$1.3B10.4%0.89%vs
Los Angeles Federal Credit UnionCredit union Glendale, CA69 out of 100, Moderate$1.3B11.4%0.70%vs
American First Credit UnionCredit union Brea, CA68 out of 100, Moderate$1.4B10.1%0.16%vs
Los Angeles Police Federal Credit UnionCredit union Van Nuys, CA70 out of 100, Strong$1.4B11.3%0.51%vs

Deposit insurance

Is my money safe at Farmers Insurance Federal Credit Union?

Yes. Farmers Insurance Federal Credit Union is a federally insured credit union (NCUA charter #1074). 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 9.0% of shares and deposits ($102.4M) are above the $250,000 NCUA insurance limit, close to the peer median of 9%. Insured balances are protected regardless of the score.

The net worth ratio is 9.86%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

5 locations

Branches

Farmers Insurance Federal Credit Union lists 5 offices in 5 cities across 4 states. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Farmers Insurance Federal Credit Union
Type
Federal credit union
NCUA charter #
1074
RSSD ID
772576
Primary regulator
NCUA
Established
1936
Headquarters
PO Box 36911, Los Angeles, CA 90036
Employees
223

Quick answers

Farmers Insurance Federal Credit Union: common questions

Is Farmers Insurance Federal Credit Union NCUA insured?

Yes. Farmers Insurance Federal Credit Union is a federally insured credit union (NCUA charter #1074). 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 Farmers Insurance Federal Credit Union's TellerScore?

49 out of 100 (Below average), 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 Farmers Insurance Federal Credit Union have?

5 offices as of the latest NCUA data, in 4 states.