TellerScore

Headquartered in Fontana, California, Fontana Federal Credit Union is a federal credit union with $17.5M in total assets and $16.1M in member shares and deposits as of Q2 2026. It operates 3 offices across 2 states. Its charter dates back to 1959.

Based on its Q2 2026 filing, Fontana Federal Credit Union scores 56/100, which we describe as moderate. That is higher than only 16% of 2,479 credit unions with under $100 million in assets. Among 238 credit unions headquartered in California, it ranks 203rd. Its strongest component is funding & liquidity (100/100; 42% loans-to-deposits, 0% uninsured), and its lowest is earnings (23/100; 0.08%).

TellerScore · Q2 2026

Scorecard

Capital cushion36/100
Net worth ratio: 8.61%
Loan quality65/100
Loans 60+ days delinquent ÷ total loans: 1.06%
Earnings23/100
Return on assets (annualized): 0.08%
Funding & liquidity100/100
Loans ÷ shares: 42.4% · 0.0% uninsured
Problem-loan coverage90/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 4.80%

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 2 points (54 → 56), mostly because the loan quality component improved by 3 points.

TellerScore
495561Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202460
Q3 202461
Q4 202454
Q1 202549
Q2 202554
Q3 202556
Q4 202553
Q1 202653
Q2 202656
Net worth ratio
7.00%8.04%9.09%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20248.81%
Q3 20249.06%
Q4 20248.97%
Q1 20258.61%
Q2 20258.61%
Q3 20258.84%
Q4 20259.09%
Q1 20268.72%
Q2 20268.61%
Delinquent loans (60+ days)
0.65%1.15%1.66%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.65%
Q3 20240.68%
Q4 20241.25%
Q1 20251.66%
Q2 20251.13%
Q3 20251.12%
Q4 20251.46%
Q1 20261.38%
Q2 20261.06%
Return on assets
-0.04%0.03%0.10%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.06%
Q3 20240.09%
Q4 20240.04%
Q1 2025-0.04%
Q2 20250.01%
Q3 20250.09%
Q4 20250.10%
Q1 20260.10%
Q2 20260.08%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202656$17.5M8.61%1.06%0.08%42.4%
Q1 202653$17.2M8.72%1.38%0.10%42.9%
Q4 202553$16.5M9.09%1.46%0.10%46.4%
Q3 202556$16.9M8.84%1.12%0.09%47.3%
Q2 202554$17.2M8.61%1.13%0.01%47.5%
Q1 202549$17.2M8.61%1.66%-0.04%47.7%
Q4 202454$16.5M8.97%1.25%0.04%53.5%
Q3 202461$16.4M9.06%0.68%0.09%54.4%
Q2 202460$16.8M8.81%0.65%0.06%52.9%

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).

Capital ratio8.61%
7th
Problem loans1.06%
37th
Net charge-offs0.36%
34th
Return on assets0.08%
22nd
Loans to deposits42.4%
75th
Uninsured deposits0.0%
81st
Loan-loss reserves0.00%
37th
Texas ratio4.8%
30th

Similar-size credit unions in California

InstitutionScoreAssetsCapitalProblem loansCompare
Mid-Cities Credit UnionCredit union Compton, CA54 out of 100, Below average$16.0M7.1%0.69%vs
Northeast Community Federal Credit UnionCredit union San Francisco, CA100 out of 100, Very strong$15.2M32.6%0.00%vs
L.A. Healthcare Federal Credit UnionCredit union Los Angeles, CA53 out of 100, Below average$14.9M8.3%0.92%vs
United Association Credit UnionCredit union Concord, CA80 out of 100, Strong$14.3M17.3%0.45%vs
Novo Federal Credit UnionCredit union Norco, CA80 out of 100, Strong$21.4M13.2%0.43%vs
Atchison Village Credit UnionCredit union Richmond, CA51 out of 100, Below average$13.3M11.3%2.01%vs

Deposit insurance

Is my money safe at Fontana Federal Credit Union?

Yes. Fontana Federal Credit Union is a federally insured credit union (NCUA charter #12898). 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 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 8.61%, slightly 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

Fontana Federal Credit Union lists 3 offices in 3 cities across 2 states. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Fontana Federal Credit Union
Type
Federal credit union
NCUA charter #
12898
RSSD ID
10782
Primary regulator
NCUA
Established
1959
Headquarters
17235 Arrow Blvd, Fontana, CA 92335
Employees
3

Quick answers

Fontana Federal Credit Union: common questions

Is Fontana Federal Credit Union NCUA insured?

Yes. Fontana Federal Credit Union is a federally insured credit union (NCUA charter #12898). 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 Fontana Federal Credit Union's TellerScore?

56 out of 100 (Moderate), 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 Fontana Federal Credit Union have?

3 offices as of the latest NCUA data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Fontana

InstitutionScoreAssetsCapitalProblem loansCompare
Redlands City Employees Federal Credit UnionCredit union Redlands, CA94 out of 100, Very strong$10.2M25.4%0.00%vs
Ontario Public Employees Federal Credit UnionCredit union Ontario, CA87 out of 100, Very strong$23.2M15.5%1.02%vs
American Continental BankBank City Of Industry, CA87 out of 100, Very strong$385.3M16.2%0.37%vs
Community Commerce BankBank Claremont, CA84 out of 100, Strong$422.7M15.3%0.00%vs
Vida Federal Credit UnionCredit union Ontario, CA83 out of 100, Strong$174.6M13.8%0.13%vs
Calcom Federal Credit UnionCredit union Long Beach, CA82 out of 100, Strong$83.9M16.3%0.42%vs