TellerScore

Huntington Beach Credit Union (NCUA charter #60967) is based in Huntington Beac, California. Its Q2 2026 call report shows $56.4M in total assets and $48.8M in member shares and deposits and 1 office.

Based on its Q2 2026 filing, Huntington Beach Credit Union scores 84/100, which we describe as strong. That is higher than 75% of 2,479 credit unions with under $100 million in assets. Among 238 credit unions headquartered in California, it ranks 36th. Its strongest component is funding & liquidity (100/100; 36% loans-to-deposits, 9% uninsured), and its lowest is earnings (74/100; 1.35%).

TellerScore · Q2 2026

Scorecard

Capital cushion81/100
Net worth ratio: 13.05%
Loan quality82/100
Loans 60+ days delinquent ÷ total loans: 0.54%
Earnings74/100
Return on assets (annualized): 1.35%
Funding & liquidity100/100
Loans ÷ shares: 35.7% · 9.2% uninsured
Problem-loan coverage97/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.28%

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 6 points (78 → 84), mostly because the earnings component improved by 29 points.

TellerScore
748188Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202474
Q3 202478
Q4 202477
Q1 202580
Q2 202578
Q3 202577
Q4 202579
Q1 202688
Q2 202684
Net worth ratio
7.00%10.03%13.05%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202412.05%
Q3 202412.43%
Q4 202412.14%
Q1 202512.40%
Q2 202512.42%
Q3 202512.54%
Q4 202512.95%
Q1 202612.89%
Q2 202613.05%
Delinquent loans (60+ days)
0.20%0.37%0.54%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.35%
Q3 20240.20%
Q4 20240.25%
Q1 20250.21%
Q2 20250.40%
Q3 20250.40%
Q4 20250.44%
Q1 20260.37%
Q2 20260.54%
Return on assets
0.28%0.95%1.62%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.28%
Q3 20240.43%
Q4 20240.44%
Q1 20250.66%
Q2 20250.63%
Q3 20250.52%
Q4 20250.57%
Q1 20261.62%
Q2 20261.35%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202684$56.4M13.05%0.54%1.35%35.7%
Q1 202688$55.8M12.89%0.37%1.62%34.8%
Q4 202579$53.9M12.95%0.44%0.57%35.4%
Q3 202577$54.9M12.54%0.40%0.52%34.1%
Q2 202578$55.0M12.42%0.40%0.63%33.8%
Q1 202580$54.5M12.40%0.21%0.66%33.4%
Q4 202477$54.9M12.14%0.25%0.44%34.0%
Q3 202478$53.1M12.43%0.20%0.43%34.7%
Q2 202474$53.9M12.05%0.35%0.28%33.4%

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 ratio13.05%
40th
Problem loans0.54%
57th
Net charge-offs0.03%
65th
Return on assets1.35%
81st
Loans to deposits35.7%
83rd
Uninsured deposits9.2%
8th
Loan-loss reserves0.00%
37th
Texas ratio1.3%
61st

Similar-size credit unions in California

InstitutionScoreAssetsCapitalProblem loansCompare
Mokelumne Federal Credit UnionCredit union Lodi, CA88 out of 100, Very strong$56.9M16.0%0.36%vs
L. A. Electrical Workers Credit Un. Credit UnionCredit union Pasadena, CA88 out of 100, Very strong$54.8M19.8%0.08%vs
Jacom Credit UnionCredit union Los Angeles, CA82 out of 100, Strong$54.1M16.6%0.06%vs
Inland Valley Federal Credit UnionCredit union Fontana, CA65 out of 100, Moderate$54.0M8.7%0.18%vs
U.P.S. Employees Federal Credit UnionCredit union Ontario, CA61 out of 100, Moderate$51.8M7.5%0.26%vs
Fresno Police Department Credit UnionCredit union Fresno, CA89 out of 100, Very strong$49.5M23.3%0.06%vs

Deposit insurance

Is my money safe at Huntington Beach Credit Union?

Yes. Huntington Beach Credit Union is a federally insured credit union (NCUA charter #60967). 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 9.2% of shares and deposits ($4.5M) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 13.05%, 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

Huntington Beach Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Huntington Beach Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
60967
RSSD ID
296791
Primary regulator
State + NCUA
Established
1953
Headquarters
PO Box E910, Huntington Beac, CA 92648
Employees
6

Quick answers

Huntington Beach Credit Union: common questions

Is Huntington Beach Credit Union NCUA insured?

Yes. Huntington Beach Credit Union is a federally insured credit union (NCUA charter #60967). 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 Huntington Beach Credit Union's TellerScore?

84 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 Huntington Beach Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Huntington Beac

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