TellerScore

Interfaith Federal Credit Union (NCUA charter #5816) is based in Montclair, California. Its Q2 2026 call report shows $134.8M in total assets and $118.3M in member shares and deposits and 4 offices across 4 states.

Based on its Q2 2026 filing, Interfaith Federal Credit Union scores 77/100, which we describe as strong. That is higher than 71% of 1,341 credit unions with $100 million – $1 billion. Among 238 credit unions headquartered in California, it ranks 77th. Its strongest component is funding & liquidity (99/100; 61% loans-to-deposits, 7% uninsured), and its lowest is earnings (47/100; 0.67%).

TellerScore · Q2 2026

Scorecard

Capital cushion69/100
Net worth ratio: 11.87%
Loan quality89/100
Loans 60+ days delinquent ÷ total loans: 0.34%
Earnings47/100
Return on assets (annualized): 0.67%
Funding & liquidity99/100
Loans ÷ shares: 61.1% · 7.0% uninsured
Problem-loan coverage97/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.55%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (76 → 77).

TellerScore
737781Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202481
Q3 202480
Q4 202479
Q1 202574
Q2 202576
Q3 202577
Q4 202573
Q1 202674
Q2 202677
Net worth ratio
7.00%9.66%12.32%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202412.11%
Q3 202412.32%
Q4 202411.93%
Q1 202511.76%
Q2 202511.31%
Q3 202511.52%
Q4 202511.30%
Q1 202611.65%
Q2 202611.87%
Delinquent loans (60+ days)
0.09%0.35%0.62%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.09%
Q3 20240.16%
Q4 20240.13%
Q1 20250.47%
Q2 20250.20%
Q3 20250.34%
Q4 20250.62%
Q1 20260.61%
Q2 20260.34%
Return on assets
0.60%0.81%1.02%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.02%
Q3 20240.84%
Q4 20240.79%
Q1 20250.60%
Q2 20250.68%
Q3 20250.83%
Q4 20250.73%
Q1 20260.65%
Q2 20260.67%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202677$134.8M11.87%0.34%0.67%61.1%
Q1 202674$135.4M11.65%0.61%0.65%61.5%
Q4 202573$137.6M11.30%0.62%0.73%59.9%
Q3 202577$132.8M11.52%0.34%0.83%60.8%
Q2 202576$132.5M11.31%0.20%0.68%61.4%
Q1 202574$125.2M11.76%0.47%0.60%62.9%
Q4 202479$121.9M11.93%0.13%0.79%65.1%
Q3 202480$117.6M12.32%0.16%0.84%69.7%
Q2 202481$118.5M12.11%0.09%1.02%67.9%

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 ratio11.87%
56th
Problem loans0.34%
79th
Net charge-offs0.40%
45th
Return on assets0.67%
44th
Loans to deposits61.1%
76th
Uninsured deposits7.0%
39th
Loan-loss reserves0.00%
50th
Texas ratio1.5%
81st

Similar-size credit unions in California

InstitutionScoreAssetsCapitalProblem loansCompare
Siskiyou Credit UnionCredit union Yreka, CA61 out of 100, Moderate$144.3M9.7%1.19%vs
East County Schools Federal Credit UnionCredit union El Cajon, CA53 out of 100, Below average$146.7M9.4%1.28%vs
Thinkwise Federal Credit UnionCredit union San Bernardino, CA47 out of 100, Below average$122.8M8.6%1.48%vs
United Local Credit UnionCredit union Fresno, CA79 out of 100, Strong$119.3M20.1%0.20%vs
Sea Air Federal Credit UnionCredit union Seal Beach, CA64 out of 100, Moderate$118.8M23.4%1.87%vs
Smw 104 Federal Credit UnionCredit union Livermore, CA89 out of 100, Very strong$117.9M12.7%0.32%vs

Deposit insurance

Is my money safe at Interfaith Federal Credit Union?

Yes. Interfaith Federal Credit Union is a federally insured credit union (NCUA charter #5816). 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 7.0% of shares and deposits ($8.3M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 11.87%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

4 locations

Branches

Interfaith Federal Credit Union lists 4 offices in 4 cities across 4 states. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Interfaith Federal Credit Union
Type
Federal credit union
NCUA charter #
5816
RSSD ID
827476
Primary regulator
NCUA
Established
1948
Headquarters
9040 Benson Ave, Montclair, CA 91763
Employees
32

Quick answers

Interfaith Federal Credit Union: common questions

Is Interfaith Federal Credit Union NCUA insured?

Yes. Interfaith Federal Credit Union is a federally insured credit union (NCUA charter #5816). 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 Interfaith Federal Credit Union's TellerScore?

77 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 Interfaith Federal Credit Union have?

4 offices as of the latest NCUA data, in 4 states.

Nearby

Highest-scoring banks and credit unions with branches near Montclair

InstitutionScoreAssetsCapitalProblem loansCompare
Operating Engineers Local Union #3 Federal Credit UnionCredit union Livermore, CA92 out of 100, Very strong$1.7B15.5%0.60%vs
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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