TellerScore

Inland Valley Federal Credit Union (NCUA charter #5684) is based in Fontana, California. Its Q2 2026 call report shows $54.0M in total assets and $49.1M in member shares and deposits and 1 office.

Inland Valley Federal Credit Union has a TellerScore of 65 out of 100 (moderate) based on Q2 2026 data — higher than only 30% of its 2,479 credit unions with under $100 million in assets. Among 238 credit unions headquartered in California, it ranks 149th. Funding & liquidity contributes the most (99/100, 40% loans-to-deposits, 17% uninsured); earnings contributes the least (29/100, 0.23%).

TellerScore · Q2 2026

Scorecard

Capital cushion37/100
Net worth ratio: 8.65%
Loan quality94/100
Loans 60+ days delinquent ÷ total loans: 0.18%
Earnings29/100
Return on assets (annualized): 0.23%
Funding & liquidity99/100
Loans ÷ shares: 39.7% · 16.5% uninsured
Problem-loan coverage99/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.74%

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 (63 → 65), mostly because the earnings component improved by 6 points.

TellerScore
576165Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202457
Q3 202463
Q4 202462
Q1 202561
Q2 202563
Q3 202563
Q4 202564
Q1 202663
Q2 202665
Net worth ratio
7.00%7.90%8.80%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20248.48%
Q3 20248.51%
Q4 20248.42%
Q1 20258.60%
Q2 20258.56%
Q3 20258.80%
Q4 20258.67%
Q1 20268.53%
Q2 20268.65%
Delinquent loans (60+ days)
0.18%0.58%0.98%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.98%
Q3 20240.31%
Q4 20240.37%
Q1 20250.46%
Q2 20250.26%
Q3 20250.39%
Q4 20250.25%
Q1 20260.32%
Q2 20260.18%
Return on assets
0.05%0.14%0.23%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.21%
Q3 20240.23%
Q4 20240.17%
Q1 20250.05%
Q2 20250.08%
Q3 20250.09%
Q4 20250.16%
Q1 20260.19%
Q2 20260.23%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202665$54.0M8.65%0.18%0.23%39.7%
Q1 202663$54.3M8.53%0.32%0.19%37.5%
Q4 202564$53.2M8.67%0.25%0.16%38.6%
Q3 202563$52.3M8.80%0.39%0.09%37.5%
Q2 202563$53.5M8.56%0.26%0.08%31.7%
Q1 202561$53.1M8.60%0.46%0.05%32.7%
Q4 202462$54.2M8.42%0.37%0.17%33.1%
Q3 202463$53.6M8.51%0.31%0.23%33.7%
Q2 202457$54.1M8.48%0.98%0.21%36.1%

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 ratio8.65%
7th
Problem loans0.18%
75th
Net charge-offs0.25%
43rd
Return on assets0.23%
29th
Loans to deposits39.7%
78th
Uninsured deposits16.5%
2nd
Loan-loss reserves0.00%
37th
Texas ratio0.7%
71st

Similar-size credit unions in California

InstitutionScoreAssetsCapitalProblem loansCompare
Jacom Credit UnionCredit union Los Angeles, CA82 out of 100, Strong$54.1M16.6%0.06%vs
L. A. Electrical Workers Credit Un. Credit UnionCredit union Pasadena, CA88 out of 100, Very strong$54.8M19.8%0.08%vs
U.P.S. Employees Federal Credit UnionCredit union Ontario, CA61 out of 100, Moderate$51.8M7.5%0.26%vs
Huntington Beach Credit UnionCredit union Huntington Beac, CA84 out of 100, Strong$56.4M13.1%0.54%vs
Mokelumne Federal Credit UnionCredit union Lodi, CA88 out of 100, Very strong$56.9M16.0%0.36%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 Inland Valley Federal Credit Union?

Yes. Inland Valley Federal Credit Union is a federally insured credit union (NCUA charter #5684). 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 ($8.1M) 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 8.65%, 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

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

All branch addresses and map

Identity & history

Profile

Legal name
Inland Valley Federal Credit Union
Type
Federal credit union
NCUA charter #
5684
RSSD ID
630171
Primary regulator
NCUA
Established
1948
Headquarters
Po Box 547, Fontana, CA 92334
Employees
11

Quick answers

Inland Valley Federal Credit Union: common questions

Is Inland Valley Federal Credit Union NCUA insured?

Yes. Inland Valley Federal Credit Union is a federally insured credit union (NCUA charter #5684). 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 Inland Valley Federal Credit Union's TellerScore?

65 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 Inland Valley Federal Credit Union have?

1 office as of the latest NCUA data.

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