TellerScore

Mission City Federal Credit Union is a federal credit union headquartered in Santa Clara, California, in business for about 67 years. At the end of Q2 2026 it reported $171.7M in total assets and $139.1M in member shares and deposits, with 1 office.

Mission City Federal Credit Union has a TellerScore of 62 out of 100 (moderate) based on Q2 2026 data — higher than only 26% of its 1,341 credit unions with $100 million – $1 billion. Among 238 credit unions headquartered in California, it ranks 167th. Problem-loan coverage contributes the most (97/100, 1.4%); capital cushion contributes the least (33/100, 8.29%).

TellerScore · Q2 2026

Scorecard

Capital cushion33/100
Net worth ratio: 8.29%
Loan quality94/100
Loans 60+ days delinquent ÷ total loans: 0.17%
Earnings42/100
Return on assets (annualized): 0.56%
Funding & liquidity72/100
Loans ÷ shares: 88.0% · 15.2% uninsured
Problem-loan coverage97/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.42%

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 (60 → 62), mostly because the loan quality component improved by 11 points.

TellerScore
586062Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202459
Q3 202458
Q4 202459
Q1 202562
Q2 202560
Q3 202560
Q4 202561
Q1 202660
Q2 202662
Net worth ratio
7.00%7.86%8.72%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20248.29%
Q3 20248.72%
Q4 20248.18%
Q1 20258.24%
Q2 20258.26%
Q3 20258.41%
Q4 20258.63%
Q1 20268.51%
Q2 20268.29%
Delinquent loans (60+ days)
0.17%0.37%0.58%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.27%
Q3 20240.58%
Q4 20240.18%
Q1 20250.46%
Q2 20250.52%
Q3 20250.54%
Q4 20250.54%
Q1 20260.50%
Q2 20260.17%
Return on assets
0.02%0.40%0.78%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.06%
Q3 20240.16%
Q4 20240.02%
Q1 20250.78%
Q2 20250.57%
Q3 20250.65%
Q4 20250.68%
Q1 20260.57%
Q2 20260.56%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202662$171.7M8.29%0.17%0.56%88.0%
Q1 202660$164.3M8.51%0.50%0.57%83.3%
Q4 202561$159.2M8.63%0.54%0.68%84.6%
Q3 202560$159.8M8.41%0.54%0.65%83.0%
Q2 202560$158.7M8.26%0.52%0.57%81.4%
Q1 202562$157.3M8.24%0.46%0.78%81.5%
Q4 202459$154.8M8.18%0.18%0.02%82.8%
Q3 202458$146.8M8.72%0.58%0.16%77.2%
Q2 202459$152.8M8.29%0.27%0.06%76.5%

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 ratio8.29%
5th
Problem loans0.17%
92nd
Net charge-offs0.38%
48th
Return on assets0.56%
35th
Loans to deposits88.0%
21st
Uninsured deposits15.2%
5th
Loan-loss reserves0.00%
50th
Texas ratio1.4%
83rd

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InstitutionScoreAssetsCapitalProblem loansCompare
Santa Cruz Community Credit UnionCredit union Santa Cruz, CA57 out of 100, Moderate$172.1M10.6%0.52%vs
E-Central Credit UnionCredit union Pasadena, CA78 out of 100, Strong$173.5M23.4%0.77%vs
Vida Federal Credit UnionCredit union Ontario, CA83 out of 100, Strong$174.6M13.8%0.13%vs
San Joaquin Power Employees Credit UnionCredit union Fresno, CA84 out of 100, Strong$174.9M15.4%0.04%vs
California Lithuanian Credit UnionCredit union Santa Monica, CA70 out of 100, Strong$175.1M17.4%1.45%vs
Tulare County Federal Credit UnionCredit union Tulare, CA48 out of 100, Below average$166.6M6.9%0.74%vs

Deposit insurance

Is my money safe at Mission City Federal Credit Union?

Yes. Mission City Federal Credit Union is a federally insured credit union (NCUA charter #13131). 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 15.2% of shares and deposits ($21.2M) are above the $250,000 NCUA insurance limit, above the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 8.29%, 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

Mission City Federal Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Mission City Federal Credit Union reported 79 home-loan applications under HMDA (LEI 2549006VWQC6XCFQO747): 79 originated ($17,155,000 total), 0 denied, and 0 withdrawn or closed by the applicant. Its denial rate on decided applications was 0.0%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Mission City Federal Credit Union
Type
Federal credit union
NCUA charter #
13131
RSSD ID
694986
Primary regulator
NCUA
Established
1959
Headquarters
1391 Franklin St, Santa Clara, CA 95050
Employees
17

Quick answers

Mission City Federal Credit Union: common questions

Is Mission City Federal Credit Union NCUA insured?

Yes. Mission City Federal Credit Union is a federally insured credit union (NCUA charter #13131). 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 Mission City Federal Credit Union's TellerScore?

62 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 Mission City Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Santa Clara

InstitutionScoreAssetsCapitalProblem loansCompare
Operating Engineers Local Union #3 Federal Credit UnionCredit union Livermore, CA92 out of 100, Very strong$1.7B15.5%0.60%vs
San Mateo City Employees Federal Credit UnionCredit union San Mateo, CA87 out of 100, Very strong$31.8M18.4%0.00%vs
GBC International BankBank Los Angeles, CA83 out of 100, Strong$658.5M15.9%0.26%vs
F3 Credit UnionCredit union San Jose, CA80 out of 100, Strong$236.8M18.5%1.05%vs
Commonwealth Central Credit UnionCredit union San Jose, CA80 out of 100, Strong$624.9M14.2%0.41%vs
Star One Credit UnionCredit union Sunnyvale, CA77 out of 100, Strong$9.7B14.1%0.13%vs