TellerScore

Headquartered in Burbank, California, Gain Federal Credit Union is a federal credit union with $454.0M in total assets and $424.1M in member shares and deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1940.

Gain Federal Credit Union has a TellerScore of 60 out of 100 (moderate) based on Q2 2026 data — higher than only 21% of its 1,341 credit unions with $100 million – $1 billion. Among 238 credit unions headquartered in California, it ranks 177th. Funding & liquidity contributes the most (100/100, 57% loans-to-deposits, 11% uninsured); earnings contributes the least (23/100, 0.09%).

TellerScore · Q2 2026

Scorecard

Capital cushion31/100
Net worth ratio: 8.14%
Loan quality85/100
Loans 60+ days delinquent ÷ total loans: 0.44%
Earnings23/100
Return on assets (annualized): 0.09%
Funding & liquidity100/100
Loans ÷ shares: 57.0% · 10.6% uninsured
Problem-loan coverage94/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.97%

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 fell 2 points (62 → 60), mostly because the capital cushion component weakened by 5 points.

TellerScore
606365Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202465
Q3 202462
Q4 202461
Q1 202564
Q2 202562
Q3 202563
Q4 202560
Q1 202661
Q2 202660
Net worth ratio
7.00%7.88%8.76%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20248.67%
Q3 20248.59%
Q4 20248.64%
Q1 20258.56%
Q2 20258.57%
Q3 20258.76%
Q4 20258.31%
Q1 20268.38%
Q2 20268.14%
Delinquent loans (60+ days)
0.07%0.27%0.47%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.07%
Q3 20240.36%
Q4 20240.47%
Q1 20250.26%
Q2 20250.36%
Q3 20250.33%
Q4 20250.31%
Q1 20260.35%
Q2 20260.44%
Return on assets
-0.07%0.11%0.28%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.10%
Q3 20240.10%
Q4 20240.09%
Q1 20250.28%
Q2 20250.09%
Q3 20250.07%
Q4 2025-0.07%
Q1 20260.07%
Q2 20260.09%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202660$454.0M8.14%0.44%0.09%57.0%
Q1 202661$439.3M8.38%0.35%0.07%59.5%
Q4 202560$442.0M8.31%0.31%-0.07%59.8%
Q3 202563$428.9M8.76%0.33%0.07%59.1%
Q2 202562$438.3M8.57%0.36%0.09%58.1%
Q1 202564$439.9M8.56%0.26%0.28%58.5%
Q4 202461$432.5M8.64%0.47%0.09%60.8%
Q3 202462$437.6M8.59%0.36%0.10%61.7%
Q2 202465$432.0M8.67%0.07%0.10%63.0%

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 ratio8.14%
4th
Problem loans0.44%
71st
Net charge-offs0.26%
62nd
Return on assets0.09%
7th
Loans to deposits57.0%
82nd
Uninsured deposits10.6%
15th
Loan-loss reserves0.00%
50th
Texas ratio3.0%
62nd

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InstitutionScoreAssetsCapitalProblem loansCompare
Wheelhouse Credit UnionCredit union San Diego, CA69 out of 100, Moderate$459.7M8.7%0.13%vs
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Mocse Federal Credit UnionCredit union Modesto, CA74 out of 100, Strong$425.5M11.1%0.85%vs
Glendale Area Schools Credit UnionCredit union Glendale, CA67 out of 100, Moderate$422.1M13.1%1.01%vs
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Eagle Community Credit UnionCredit union Lake Forest, CA63 out of 100, Moderate$409.2M9.9%0.49%vs

Deposit insurance

Is my money safe at Gain Federal Credit Union?

Yes. Gain Federal Credit Union is a federally insured credit union (NCUA charter #3943). 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 10.6% of shares and deposits ($44.8M) 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 8.14%, slightly 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

Gain Federal Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Gain Federal Credit Union reported 226 home-loan applications under HMDA (LEI 549300M0SDF90SCNIY89): 149 originated ($26,795,000 total), 53 denied, and 24 withdrawn or closed by the applicant. Its denial rate on decided applications was 26.2%, 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
Gain Federal Credit Union
Type
Federal credit union
NCUA charter #
3943
RSSD ID
256571
Primary regulator
NCUA
Established
1940
Headquarters
1800 W. Magnolia Blvd, Burbank, CA 91506
Employees
66

Quick answers

Gain Federal Credit Union: common questions

Is Gain Federal Credit Union NCUA insured?

Yes. Gain Federal Credit Union is a federally insured credit union (NCUA charter #3943). 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 Gain Federal Credit Union's TellerScore?

60 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 Gain Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Burbank

InstitutionScoreAssetsCapitalProblem loansCompare
The Bank of New York Mellon Trust Company, National AssociationBank Los Angeles, CA100 out of 100, Very strong$1.4B63.5%0.00%vs
Sunkist Employees Federal Credit UnionCredit union Valencia, CA100 out of 100, Very strong$3.8M33.6%0.00%vs
California Adventist Federal Credit UnionCredit union Glendale, CA89 out of 100, Very strong$44.7M20.1%0.04%vs
Asian Pacific National BankBank San Gabriel, CA89 out of 100, Very strong$56.9M20.1%0.00%vs
Hana Bank USA, National AssociationBank Fort Lee, NJ88 out of 100, Very strong$835.2M25.4%0.00%vs
American Plus Bank, N.A.Bank Arcadia, CA88 out of 100, Very strong$935.0M16.5%0.04%vs