TellerScore

I.L.W.U. Federal Credit Union (NCUA charter #24916) is based in Long Beach, California. Its Q2 2026 call report shows $607.5M in total assets and $550.2M in member shares and deposits and 6 offices across 3 states.

Based on its Q2 2026 filing, I.L.W.U. Federal Credit Union scores 67/100, which we describe as moderate. That is higher than only 41% of 1,341 credit unions with $100 million – $1 billion. Among 238 credit unions headquartered in California, it ranks 134th. Its strongest component is problem-loan coverage (88/100; 6.2%), and its lowest is capital cushion (49/100; 9.94%).

TellerScore · Q2 2026

Scorecard

Capital cushion49/100
Net worth ratio: 9.94%
Loan quality70/100
Loans 60+ days delinquent ÷ total loans: 0.89%
Earnings67/100
Return on assets (annualized): 1.16%
Funding & liquidity85/100
Loans ÷ shares: 74.1% · 16.5% uninsured
Problem-loan coverage88/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 6.22%

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 (65 → 67), mostly because the capital cushion component improved by 5 points.

TellerScore
626771Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202462
Q3 202462
Q4 202463
Q1 202567
Q2 202565
Q3 202569
Q4 202570
Q1 202671
Q2 202667
Net worth ratio
7.00%8.56%10.12%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20248.98%
Q3 20248.93%
Q4 20249.02%
Q1 20259.22%
Q2 20259.41%
Q3 202510.12%
Q4 202510.07%
Q1 20269.98%
Q2 20269.94%
Delinquent loans (60+ days)
0.49%0.72%0.95%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.77%
Q3 20240.68%
Q4 20240.67%
Q1 20250.68%
Q2 20250.95%
Q3 20250.62%
Q4 20250.60%
Q1 20260.49%
Q2 20260.89%
Return on assets
0.80%1.02%1.24%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.91%
Q3 20240.80%
Q4 20240.80%
Q1 20251.24%
Q2 20251.20%
Q3 20251.09%
Q4 20251.10%
Q1 20261.07%
Q2 20261.16%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202667$607.5M9.94%0.89%1.16%74.1%
Q1 202671$601.9M9.98%0.49%1.07%72.6%
Q4 202570$567.1M10.07%0.60%1.10%78.2%
Q3 202569$561.5M10.12%0.62%1.09%79.0%
Q2 202565$521.5M9.41%0.95%1.20%77.0%
Q1 202567$516.7M9.22%0.68%1.24%77.4%
Q4 202463$502.0M9.02%0.67%0.80%82.1%
Q3 202462$517.3M8.93%0.68%0.80%80.5%
Q2 202462$498.0M8.98%0.77%0.91%83.2%

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 ratio9.94%
27th
Problem loans0.89%
36th
Net charge-offs0.30%
58th
Return on assets1.16%
76th
Loans to deposits74.1%
54th
Uninsured deposits16.5%
4th
Loan-loss reserves0.00%
50th
Texas ratio6.2%
30th

Similar-size credit unions in California

InstitutionScoreAssetsCapitalProblem loansCompare
Excite Credit UnionCredit union San Jose, CA51 out of 100, Below average$613.8M6.9%0.54%vs
Commonwealth Central Credit UnionCredit union San Jose, CA80 out of 100, Strong$624.9M14.2%0.41%vs
Cabrillo Credit UnionCredit union San Diego, CA59 out of 100, Moderate$573.5M9.5%0.92%vs
Premier One Credit UnionCredit union San Jose, CA65 out of 100, Moderate$655.7M9.7%0.25%vs
First U.S. Community Credit UnionCredit union Sacramento, CA67 out of 100, Moderate$547.9M11.9%0.92%vs
Mypoint Credit UnionCredit union San Diego, CA58 out of 100, Moderate$704.5M8.6%0.27%vs

Deposit insurance

Is my money safe at I.L.W.U. Federal Credit Union?

Yes. I.L.W.U. Federal Credit Union is a federally insured credit union (NCUA charter #24916). 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 16.5% of shares and deposits ($90.6M) 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 9.94%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

6 locations

Branches

I.L.W.U. Federal Credit Union lists 6 offices in 6 cities across 3 states. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
I.L.W.U. Federal Credit Union
Type
Federal credit union
NCUA charter #
24916
RSSD ID
1875157
Primary regulator
NCUA
Established
1972
Headquarters
P.O. Box 7629, Long Beach, CA 90807
Employees
81

Quick answers

I.L.W.U. Federal Credit Union: common questions

Is I.L.W.U. Federal Credit Union NCUA insured?

Yes. I.L.W.U. Federal Credit Union is a federally insured credit union (NCUA charter #24916). 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 I.L.W.U. Federal Credit Union's TellerScore?

67 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 I.L.W.U. Federal Credit Union have?

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

Nearby

Highest-scoring banks and credit unions with branches near Long Beach

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California International Bank, N.A.Bank Westminster, CA89 out of 100, Very strong$120.9M13.5%0.00%vs
Asian Pacific National BankBank San Gabriel, CA89 out of 100, Very strong$56.9M20.1%0.00%vs