TellerScore

Marin County Federal Credit Union is a federal credit union headquartered in San Rafael, California, in business for about 63 years. At the end of Q2 2026 it reported $103.5M in total assets and $91.5M in member shares and deposits.

Based on its Q2 2026 filing, Marin County Federal Credit Union scores 66/100, which we describe as moderate. That is higher than only 37% of 1,341 credit unions with $100 million – $1 billion. Among 238 credit unions headquartered in California, it ranks 140th. Its strongest component is funding & liquidity (100/100; 29% loans-to-deposits, 7% uninsured), and its lowest is loan quality (44/100; 1.69%).

TellerScore · Q2 2026

Scorecard

Capital cushion71/100
Net worth ratio: 12.05%
Loan quality44/100
Loans 60+ days delinquent ÷ total loans: 1.69%
Earnings49/100
Return on assets (annualized): 0.73%
Funding & liquidity100/100
Loans ÷ shares: 29.4% · 6.6% uninsured
Problem-loan coverage93/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 3.65%

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 9 points (75 → 66), mostly because the loan quality component weakened by 21 points.

TellerScore
556575Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202468
Q3 202466
Q4 202460
Q1 202555
Q2 202575
Q3 202575
Q4 202574
Q1 202673
Q2 202666
Net worth ratio
7.00%9.80%12.61%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202412.36%
Q3 202412.45%
Q4 202412.61%
Q1 202512.39%
Q2 202512.31%
Q3 202512.14%
Q4 202511.98%
Q1 202612.02%
Q2 202612.05%
Delinquent loans (60+ days)
0.86%1.91%2.97%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20242.00%
Q3 20242.16%
Q4 20242.91%
Q1 20252.97%
Q2 20251.06%
Q3 20250.93%
Q4 20250.86%
Q1 20260.92%
Q2 20261.69%
Return on assets
0.63%0.89%1.14%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.14%
Q3 20241.09%
Q4 20241.11%
Q1 20250.63%
Q2 20251.01%
Q3 20250.93%
Q4 20250.86%
Q1 20260.72%
Q2 20260.73%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202666$103.5M12.05%1.69%0.73%29.4%
Q1 202673$102.2M12.02%0.92%0.72%29.4%
Q4 202574$101.0M11.98%0.86%0.86%30.4%
Q3 202575$98.4M12.14%0.93%0.93%31.9%
Q2 202575$95.3M12.31%1.06%1.01%33.8%
Q1 202555$92.0M12.39%2.97%0.63%35.6%
Q4 202460$89.2M12.61%2.91%1.11%37.5%
Q3 202466$88.5M12.45%2.16%1.09%37.3%
Q2 202468$87.3M12.36%2.00%1.14%38.6%

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 ratio12.05%
58th
Problem loans1.69%
10th
Net charge-offs0.60%
27th
Return on assets0.73%
49th
Loans to deposits29.4%
98th
Uninsured deposits6.6%
43rd
Loan-loss reserves0.00%
50th
Texas ratio3.6%
54th

Similar-size credit unions in California

InstitutionScoreAssetsCapitalProblem loansCompare
Glendale Federal Credit UnionCredit union Glendale, CA78 out of 100, Strong$102.7M12.6%0.29%vs
Lassen County Federal Credit UnionCredit union Susanville, CA79 out of 100, Strong$107.5M13.6%0.49%vs
Kaiperm Federal Credit UnionCredit union Walnut Creek, CA66 out of 100, Moderate$108.4M9.3%0.05%vs
Rancho Federal Credit UnionCredit union Downey, CA64 out of 100, Moderate$108.8M8.6%0.47%vs
First California Federal Credit UnionCredit union Fresno, CA78 out of 100, Strong$109.7M10.6%0.98%vs
Santa Ana Federal Credit UnionCredit union Santa Ana, CA90 out of 100, Very strong$111.6M13.5%0.06%vs

Deposit insurance

Is my money safe at Marin County Federal Credit Union?

Yes. Marin County Federal Credit Union is a federally insured credit union (NCUA charter #15659). 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 6.6% of shares and deposits ($6.0M) 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 12.05%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

Identity & history

Profile

Legal name
Marin County Federal Credit Union
Type
Federal credit union
NCUA charter #
15659
RSSD ID
472483
Primary regulator
NCUA
Established
1963
Headquarters
30 N. San Pedro Rd. #115, San Rafael, CA 94903
Employees
7

Quick answers

Marin County Federal Credit Union: common questions

Is Marin County Federal Credit Union NCUA insured?

Yes. Marin County Federal Credit Union is a federally insured credit union (NCUA charter #15659). 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 Marin County Federal Credit Union's TellerScore?

66 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.