TellerScore

Kinecta Federal Credit Union (NCUA charter #4142) is based in Manhattan Beach, California. Its Q2 2026 call report shows $6.8B in total assets and $5.7B in member shares and deposits and 15 offices.

Kinecta Federal Credit Union has a TellerScore of 58 out of 100 (moderate) based on Q2 2026 data — higher than only 19% of its 454 credit unions with $1 billion – $10 billion. Among 238 credit unions headquartered in California, it ranks 188th. Problem-loan coverage contributes the most (91/100, 4.3%); earnings contributes the least (33/100, 0.33%).

TellerScore · Q2 2026

Scorecard

Capital cushion37/100
Net worth ratio: 8.68%
Loan quality85/100
Loans 60+ days delinquent ÷ total loans: 0.46%
Earnings33/100
Return on assets (annualized): 0.33%
Funding & liquidity66/100
Loans ÷ shares: 94.6% · 8.8% uninsured
Problem-loan coverage91/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 4.27%

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 (58 → 58).

TellerScore
505560Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202450
Q3 202451
Q4 202453
Q1 202557
Q2 202558
Q3 202558
Q4 202559
Q1 202660
Q2 202658
Net worth ratio
7.00%8.02%9.04%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20248.09%
Q3 20248.16%
Q4 20248.41%
Q1 20258.62%
Q2 20258.84%
Q3 20258.85%
Q4 20258.85%
Q1 20269.04%
Q2 20268.68%
Delinquent loans (60+ days)
0.37%0.43%0.49%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.42%
Q3 20240.45%
Q4 20240.49%
Q1 20250.40%
Q2 20250.37%
Q3 20250.45%
Q4 20250.42%
Q1 20260.42%
Q2 20260.46%
Return on assets
-0.18%0.10%0.39%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 2024-0.18%
Q3 2024-0.11%
Q4 20240.13%
Q1 20250.39%
Q2 20250.31%
Q3 20250.36%
Q4 20250.33%
Q1 20260.33%
Q2 20260.33%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202658$6.8B8.68%0.46%0.33%94.6%
Q1 202660$6.4B9.04%0.42%0.33%90.7%
Q4 202559$6.5B8.85%0.42%0.33%92.9%
Q3 202558$6.5B8.85%0.45%0.36%95.3%
Q2 202558$6.4B8.84%0.37%0.31%101.4%
Q1 202557$6.6B8.62%0.40%0.39%105.7%
Q4 202453$6.7B8.41%0.49%0.13%112.6%
Q3 202451$6.7B8.16%0.45%-0.11%118.8%
Q2 202450$6.8B8.09%0.42%-0.18%117.2%

454 peers · $1 billion – $10 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 ratio8.68%
8th
Problem loans0.46%
74th
Net charge-offs0.50%
52nd
Return on assets0.33%
13th
Loans to deposits94.6%
28th
Uninsured deposits8.8%
54th
Loan-loss reserves0.00%
50th
Texas ratio4.3%
56th

Similar-size credit unions in California

InstitutionScoreAssetsCapitalProblem loansCompare
Wescom Central Credit UnionCredit union Pasadena, CA59 out of 100, Moderate$6.6B7.9%0.43%vs
Mission Federal Credit UnionCredit union San Diego, CA81 out of 100, Strong$7.3B12.3%0.15%vs
Travis Credit UnionCredit union Vacaville, CA65 out of 100, Moderate$5.9B10.4%0.67%vs
California Federal Credit UnionCredit union Glendale, CA65 out of 100, Moderate$5.4B9.4%0.44%vs
Educational Employees Credit UnionCredit union Fresno, CA96 out of 100, Very strong$5.4B14.6%0.20%vs
Chevron Federal Credit UnionCredit union Concord, CA81 out of 100, Strong$5.4B12.4%0.38%vs

Deposit insurance

Is my money safe at Kinecta Federal Credit Union?

Yes. Kinecta Federal Credit Union is a federally insured credit union (NCUA charter #4142). 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 8.8% of shares and deposits ($498.0M) are above the $250,000 NCUA insurance limit, close to the peer median of 9%. Insured balances are protected regardless of the score.

The net worth ratio is 8.68%, slightly above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

15 locations

Branches

Kinecta Federal Credit Union lists 15 offices in 13 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Kinecta Federal Credit Union
Type
Federal credit union
NCUA charter #
4142
RSSD ID
277473
Primary regulator
NCUA
Established
1940
Headquarters
1440 Rosecrans Ave, Manhattan Beach, CA 90266
Employees
680

Quick answers

Kinecta Federal Credit Union: common questions

Is Kinecta Federal Credit Union NCUA insured?

Yes. Kinecta Federal Credit Union is a federally insured credit union (NCUA charter #4142). 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 Kinecta Federal Credit Union's TellerScore?

58 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 Kinecta Federal Credit Union have?

15 offices as of the latest NCUA data.

Nearby

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

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
Long Beach Firemen S Credit UnionCredit union Long Beach, CA91 out of 100, Very strong$201.5M29.4%0.02%vs
Asian Pacific National BankBank San Gabriel, CA89 out of 100, Very strong$56.9M20.1%0.00%vs
California Adventist Federal Credit UnionCredit union Glendale, CA89 out of 100, Very strong$44.7M20.1%0.04%vs
Malaga Bank F.S.B.Bank Palos Verdes Peninsula, CA88 out of 100, Very strong$1.4B16.8%0.00%vs
Hana Bank USA, National AssociationBank Fort Lee, NJ88 out of 100, Very strong$835.2M25.4%0.00%vs