TellerScore

Headquartered in Hanford, California, Kings Federal Credit Union is a federal credit union with $162.5M in total assets and $136.4M in member shares and deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1955.

Based on its Q2 2026 filing, Kings Federal Credit Union scores 86/100, which we describe as very strong. That is higher than 89% of 1,341 credit unions with $100 million – $1 billion. Among 238 credit unions headquartered in California, it ranks 30th. Its strongest component is capital cushion (100/100; 15.97%), and its lowest is earnings (60/100; 0.99%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 15.97%
Loan quality79/100
Loans 60+ days delinquent ÷ total loans: 0.64%
Earnings60/100
Return on assets (annualized): 0.99%
Funding & liquidity96/100
Loans ÷ shares: 64.2% · 5.4% uninsured
Problem-loan coverage95/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.40%

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 fell 3 points (89 → 86), mostly because the loan quality component weakened by 12 points.

TellerScore
858890Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202485
Q3 202487
Q4 202489
Q1 202590
Q2 202589
Q3 202590
Q4 202588
Q1 202686
Q2 202686
Net worth ratio
7.00%11.48%15.97%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202414.80%
Q3 202414.96%
Q4 202415.49%
Q1 202515.18%
Q2 202515.60%
Q3 202515.72%
Q4 202515.50%
Q1 202615.64%
Q2 202615.97%
Delinquent loans (60+ days)
0.15%0.39%0.64%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.26%
Q3 20240.27%
Q4 20240.15%
Q1 20250.25%
Q2 20250.26%
Q3 20250.24%
Q4 20250.41%
Q1 20260.45%
Q2 20260.64%
Return on assets
0.63%0.86%1.09%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.63%
Q3 20240.80%
Q4 20240.95%
Q1 20251.07%
Q2 20251.09%
Q3 20251.09%
Q4 20251.06%
Q1 20260.80%
Q2 20260.99%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202686$162.5M15.97%0.64%0.99%64.2%
Q1 202686$162.9M15.64%0.45%0.80%65.0%
Q4 202588$161.9M15.50%0.41%1.06%63.9%
Q3 202590$156.9M15.72%0.24%1.09%65.4%
Q2 202589$155.2M15.60%0.26%1.09%65.6%
Q1 202590$156.8M15.18%0.25%1.07%65.6%
Q4 202489$150.9M15.49%0.15%0.95%67.3%
Q3 202487$152.7M14.96%0.27%0.80%68.0%
Q2 202485$151.5M14.80%0.26%0.63%68.0%

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 ratio15.97%
89th
Problem loans0.64%
53rd
Net charge-offs0.24%
65th
Return on assets0.99%
66th
Loans to deposits64.2%
71st
Uninsured deposits5.4%
55th
Loan-loss reserves0.00%
50th
Texas ratio2.4%
71st

Similar-size credit unions in California

InstitutionScoreAssetsCapitalProblem loansCompare
Torrance Community Federal Credit UnionCredit union Torrance, CA73 out of 100, Strong$162.9M10.2%0.13%vs
South Bay Credit UnionCredit union Redondo Beach, CA59 out of 100, Moderate$160.6M9.4%0.48%vs
Tulare County Federal Credit UnionCredit union Tulare, CA48 out of 100, Below average$166.6M6.9%0.74%vs
Mission City Federal Credit UnionCredit union Santa Clara, CA62 out of 100, Moderate$171.7M8.3%0.17%vs
Santa Cruz Community Credit UnionCredit union Santa Cruz, CA57 out of 100, Moderate$172.1M10.6%0.52%vs
San Diego Firefighters Federal Credit UnionCredit union San Diego, CA64 out of 100, Moderate$152.6M7.7%0.26%vs

Deposit insurance

Is my money safe at Kings Federal Credit Union?

Yes. Kings Federal Credit Union is a federally insured credit union (NCUA charter #10395). 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 5.4% of shares and deposits ($7.4M) 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 15.97%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

2 locations

Branches

Kings Federal Credit Union lists 2 offices in 1 city. Most locations:

All branch addresses and map

CFPB TCCP survey · December 31, 2025

Credit card terms

CardPurchase APRAnnual feeLate feeForeign fee
Visa Classic8.95% – 18.00%$0$251.0%

All Kings Federal Credit Union card terms

Identity & history

Profile

Legal name
Kings Federal Credit Union
Type
Federal credit union
NCUA charter #
10395
RSSD ID
852487
Primary regulator
NCUA
Established
1955
Headquarters
1415 W Lacey Blvd, Hanford, CA 93230
Employees
18

Quick answers

Kings Federal Credit Union: common questions

Is Kings Federal Credit Union NCUA insured?

Yes. Kings Federal Credit Union is a federally insured credit union (NCUA charter #10395). 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 Kings Federal Credit Union's TellerScore?

86 out of 100 (Very 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 Kings Federal Credit Union have?

2 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Hanford

InstitutionScoreAssetsCapitalProblem loansCompare
Educational Employees Credit UnionCredit union Fresno, CA96 out of 100, Very strong$5.4B14.6%0.20%vs
Families and Schools Together Federal Credit UnionCredit union Hanford, CA92 out of 100, Very strong$329.6M20.0%0.37%vs
Mission BankBank Bakersfield, CA80 out of 100, Strong$2.0B12.2%0.02%vs
Westamerica BankBank San Rafael, CA78 out of 100, Strong$5.8B10.3%0.12%vs
Bank of the SierraBank Porterville, CA77 out of 100, Strong$3.7B12.2%0.43%vs
Tucoemas Federal Credit UnionCredit union Visalia, CA74 out of 100, Strong$332.0M10.3%1.25%vs