TellerScore

Headquartered in Fountain Valley, California, Fountain Valley Credit Union is a federally insured state-chartered credit union with $2.0M in total assets and $1.5M in member shares and deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1967.

Fountain Valley Credit Union has a TellerScore of 80 out of 100 (strong) based on Q2 2026 data — higher than 65% of its 2,479 credit unions with under $100 million in assets. Among 238 credit unions headquartered in California, it ranks 58th. Capital cushion contributes the most (100/100, 23.01%); earnings contributes the least (0/100, -1.23%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 23.01%
Loan quality100/100
Loans 60+ days delinquent ÷ total loans: 0.00%
Earnings0/100
Return on assets (annualized): -1.23%
Funding & liquidity100/100
Loans ÷ shares: 36.6% · 0.0% uninsured
Problem-loan coverage100/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.00%

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 13 points (67 → 80), mostly because the loan quality component improved by 68 points.

TellerScore
647585Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202464
Q3 202469
Q4 202471
Q1 202585
Q2 202567
Q3 202565
Q4 202581
Q1 202679
Q2 202680
Net worth ratio
7.00%15.18%23.35%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202419.45%
Q3 202420.11%
Q4 202420.96%
Q1 202521.14%
Q2 202522.39%
Q3 202523.27%
Q4 202523.35%
Q1 202622.96%
Q2 202623.01%
Delinquent loans (60+ days)
0.00%1.18%2.35%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20242.35%
Q3 20242.14%
Q4 20242.02%
Q1 20250.10%
Q2 20252.05%
Q3 20252.02%
Q4 20250.11%
Q1 20260.12%
Q2 20260.00%
Return on assets
-1.93%-0.70%0.54%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.11%
Q3 20240.40%
Q4 20240.54%
Q1 20250.22%
Q2 20250.04%
Q3 2025-0.18%
Q4 2025-0.30%
Q1 2026-1.93%
Q2 2026-1.23%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202680$2.0M23.01%0.00%-1.23%36.6%
Q1 202679$2.0M22.96%0.12%-1.93%38.4%
Q4 202581$2.0M23.35%0.11%-0.30%43.1%
Q3 202565$2.0M23.27%2.02%-0.18%46.2%
Q2 202567$2.1M22.39%2.05%0.04%51.2%
Q1 202585$2.2M21.14%0.10%0.22%52.2%
Q4 202471$2.2M20.96%2.02%0.54%56.1%
Q3 202469$2.3M20.11%2.14%0.40%55.0%
Q2 202464$2.3M19.45%2.35%0.11%57.6%

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 ratio23.01%
85th
Problem loans0.00%
94th
Net charge-offs-0.20%
96th
Return on assets-1.23%
6th
Loans to deposits36.6%
82nd
Uninsured deposits0.0%
81st
Loan-loss reserves0.00%
37th
Texas ratio0.0%
93rd

Similar-size credit unions in California

InstitutionScoreAssetsCapitalProblem loansCompare
Haven Federal Credit UnionCredit union San Francisco, CA— out of 100, Not scored$2.5M100.0%—vs
Maryknoll of L a Federal Credit UnionCredit union Los Angeles, CA75 out of 100, Strong$1.1M11.0%1.36%vs
Mojave Plant Employees Federal Credit UnionCredit union Mojave, CA86 out of 100, Very strong$997K20.0%0.00%vs
Columbus Club Federal Credit UnionCredit union San Fernando, CA80 out of 100, Strong$3.1M26.6%0.00%vs
Chula Vista City Employees Federal Credit UnionCredit union Chula Vista, CA71 out of 100, Strong$3.1M8.3%0.64%vs
U.S.B. Employees Federal Credit UnionCredit union Wilmington, CA96 out of 100, Very strong$3.2M20.2%0.00%vs

Deposit insurance

Is my money safe at Fountain Valley Credit Union?

Yes. Fountain Valley Credit Union is a federally insured credit union (NCUA charter #64108). 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 23.01%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

Fountain Valley Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Fountain Valley Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
64108
RSSD ID
176893
Primary regulator
State + NCUA
Established
1967
Headquarters
10200 Slater Ave, Fountain Valley, CA 92708
Employees
1

Quick answers

Fountain Valley Credit Union: common questions

Is Fountain Valley Credit Union NCUA insured?

Yes. Fountain Valley Credit Union is a federally insured credit union (NCUA charter #64108). 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 Fountain Valley Credit Union's TellerScore?

80 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 Fountain Valley Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Fountain Valley

InstitutionScoreAssetsCapitalProblem loansCompare
Capital Bank and Trust CompanyBank Irvine, CA94 out of 100, Very strong$266.1M79.3%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
Santa Ana Federal Credit UnionCredit union Santa Ana, CA90 out of 100, Very strong$111.6M13.5%0.06%vs
California International Bank, N.A.Bank Westminster, CA89 out of 100, Very strong$120.9M13.5%0.00%vs
Certified Federal Credit UnionCredit union El Monte, CA88 out of 100, Very strong$925.3M20.7%0.37%vs