Headquartered in Fresno, California, First California Federal Credit Union is a federal credit union with $109.7M in total assets and $97.8M in member shares and deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1982.
Based on its Q2 2026 filing, First California Federal Credit Union scores 78/100, which we describe as strong. That is higher than 74% of 1,341 credit unions with $100 million – $1 billion. Among 238 credit unions headquartered in California, it ranks 70th. Its strongest component is earnings (100/100; 2.00%), and its lowest is capital cushion (56/100; 10.58%).
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
From Q2 2025 to Q2 2026, the score rose 8 points (70 → 78), mostly because the earnings component improved by 26 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 70 |
| Q3 2024 | 71 |
| Q4 2024 | 69 |
| Q1 2025 | 72 |
| Q2 2025 | 70 |
| Q3 2025 | 72 |
| Q4 2025 | 73 |
| Q1 2026 | 77 |
| Q2 2026 | 78 |
Show as table
| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 8.42% |
| Q3 2024 | 8.50% |
| Q4 2024 | 9.11% |
| Q1 2025 | 9.28% |
| Q2 2025 | 9.47% |
| Q3 2025 | 9.80% |
| Q4 2025 | 9.97% |
| Q1 2026 | 10.25% |
| Q2 2026 | 10.58% |
Show as table
| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.18% |
| Q3 2024 | 0.21% |
| Q4 2024 | 0.84% |
| Q1 2025 | 0.75% |
| Q2 2025 | 0.90% |
| Q3 2025 | 0.84% |
| Q4 2025 | 0.92% |
| Q1 2026 | 0.64% |
| Q2 2026 | 0.98% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.93% |
| Q3 2024 | 1.09% |
| Q4 2024 | 1.28% |
| Q1 2025 | 1.47% |
| Q2 2025 | 1.36% |
| Q3 2025 | 1.48% |
| Q4 2025 | 1.61% |
| Q1 2026 | 1.56% |
| Q2 2026 | 2.00% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 78 | $109.7M | 10.58% | 0.98% | 2.00% | 54.0% |
| Q1 2026 | 77 | $109.9M | 10.25% | 0.64% | 1.56% | 53.5% |
| Q4 2025 | 73 | $109.8M | 9.97% | 0.92% | 1.61% | 54.5% |
| Q3 2025 | 72 | $108.5M | 9.80% | 0.84% | 1.48% | 55.2% |
| Q2 2025 | 70 | $107.6M | 9.47% | 0.90% | 1.36% | 52.4% |
| Q1 2025 | 72 | $105.3M | 9.28% | 0.75% | 1.47% | 52.4% |
| Q4 2024 | 69 | $103.4M | 9.11% | 0.84% | 1.28% | 53.9% |
| Q3 2024 | 71 | $105.5M | 8.50% | 0.21% | 1.09% | 55.3% |
| Q2 2024 | 70 | $101.8M | 8.42% | 0.18% | 0.93% | 54.1% |
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).
Similar-size credit unions in California
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Rancho Federal Credit UnionCredit union Downey, CA | 64 out of 100, Moderate | $108.8M | 8.6% | 0.47% | vs |
| Kaiperm Federal Credit UnionCredit union Walnut Creek, CA | 66 out of 100, Moderate | $108.4M | 9.3% | 0.05% | vs |
| Santa Ana Federal Credit UnionCredit union Santa Ana, CA | 90 out of 100, Very strong | $111.6M | 13.5% | 0.06% | vs |
| Lassen County Federal Credit UnionCredit union Susanville, CA | 79 out of 100, Strong | $107.5M | 13.6% | 0.49% | vs |
| Marin County Federal Credit UnionCredit union San Rafael, CA | 66 out of 100, Moderate | $103.5M | 12.1% | 1.69% | vs |
| LA Loma Federal Credit UnionCredit union Loma Linda, CA | 70 out of 100, Strong | $116.6M | 9.7% | 0.22% | vs |
Deposit insurance
Is my money safe at First California Federal Credit Union?
Yes. First California Federal Credit Union is a federally insured credit union (NCUA charter #23964). 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 6.2% of shares and deposits ($6.1M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.
The net worth ratio is 10.58%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.
1 location
Branches
First California Federal Credit Union lists 1 office in 1 city. Most locations:
- Fresno, CA (1)
HMDA 2025
Mortgage lending
In 2025, First California Federal Credit Union reported 65 home-loan applications under HMDA (LEI 549300PQ03NIDTKFIO56): 39 originated ($3,205,000 total), 18 denied, and 6 withdrawn or closed by the applicant. Its denial rate on decided applications was 30.5%, 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
- First California Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 23964
- RSSD ID
- 314798
- Primary regulator
- NCUA
- Established
- 1982
- Headquarters
- 2525 E Shields Ave, Fresno, CA 93726
- Employees
- 20
Quick answers
First California Federal Credit Union: common questions
Is First California Federal Credit Union NCUA insured?
Yes. First California Federal Credit Union is a federally insured credit union (NCUA charter #23964). 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 First California Federal Credit Union's TellerScore?
78 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 First California Federal Credit Union have?
1 office as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Fresno
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Fresno Grangers Federal Credit UnionCredit union Fresno, CA | 98 out of 100, Very strong | $25.9M | 24.6% | 0.00% | vs |
| Educational Employees Credit UnionCredit union Fresno, CA | 96 out of 100, Very strong | $5.4B | 14.6% | 0.20% | 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 |
| Fresno Police Department Credit UnionCredit union Fresno, CA | 89 out of 100, Very strong | $49.5M | 23.3% | 0.06% | vs |
| Murphy BankBank Fresno, CA | 88 out of 100, Very strong | $357.2M | 14.9% | 0.39% | vs |
| Central Valley Firefighters Credit UnionCredit union Fresno, CA | 87 out of 100, Very strong | $49.5M | 13.7% | 0.42% | vs |