TellerScore

Nikkei Credit Union is a federally insured state-chartered credit union headquartered in Gardena, California, in business for about 75 years. At the end of Q2 2026 it reported $81.5M in total assets and $69.6M in member shares and deposits, with 1 office.

Nikkei Credit Union has a TellerScore of 53 out of 100 (below average) based on Q2 2026 data — higher than only 12% of its 2,479 credit unions with under $100 million in assets. Among 238 credit unions headquartered in California, it ranks 214th. Capital cushion contributes the most (92/100, 14.23%); loan quality contributes the least (10/100, 2.69%).

TellerScore · Q2 2026

Scorecard

Capital cushion92/100
Net worth ratio: 14.23%
Loan quality10/100
Loans 60+ days delinquent ÷ total loans: 2.69%
Earnings25/100
Return on assets (annualized): 0.13%
Funding & liquidity78/100
Loans ÷ shares: 82.5% · 0.7% uninsured
Problem-loan coverage58/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 20.85%

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 21 points (74 → 53), mostly because the loan quality component weakened by 86 points.

TellerScore
536678Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202465
Q3 202455
Q4 202467
Q1 202566
Q2 202574
Q3 202578
Q4 202568
Q1 202666
Q2 202653
Net worth ratio
7.00%10.70%14.40%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202413.19%
Q3 202413.31%
Q4 202413.79%
Q1 202513.78%
Q2 202514.01%
Q3 202514.40%
Q4 202514.40%
Q1 202614.36%
Q2 202614.23%
Delinquent loans (60+ days)
0.06%1.38%2.69%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.36%
Q3 20242.27%
Q4 20240.94%
Q1 20250.98%
Q2 20250.11%
Q3 20250.06%
Q4 20251.22%
Q1 20261.26%
Q2 20262.69%
Return on assets
0.07%0.29%0.50%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.50%
Q3 20240.31%
Q4 20240.32%
Q1 20250.23%
Q2 20250.07%
Q3 20250.32%
Q4 20250.37%
Q1 20260.11%
Q2 20260.13%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202653$81.5M14.23%2.69%0.13%82.5%
Q1 202666$80.6M14.36%1.26%0.11%84.8%
Q4 202568$80.2M14.40%1.22%0.37%87.0%
Q3 202578$79.7M14.40%0.06%0.32%90.1%
Q2 202574$80.7M14.01%0.11%0.07%90.8%
Q1 202566$82.2M13.78%0.98%0.23%94.7%
Q4 202467$81.8M13.79%0.94%0.32%95.8%
Q3 202455$84.5M13.31%2.27%0.31%93.4%
Q2 202465$85.3M13.19%1.36%0.50%91.6%

2,479 peers · Under $100 million in assets

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 ratio14.23%
49th
Problem loans2.69%
15th
Net charge-offs0.00%
69th
Return on assets0.13%
24th
Loans to deposits82.5%
17th
Uninsured deposits0.7%
57th
Loan-loss reserves0.00%
37th
Texas ratio20.8%
4th

Similar-size credit unions in California

InstitutionScoreAssetsCapitalProblem loansCompare
Valley Oak Credit UnionCredit union Three Rivers, CA49 out of 100, Below average$82.2M6.8%0.71%vs
California Community Credit UnionCredit union Sacramento, CA79 out of 100, Strong$82.5M12.2%0.07%vs
Technicolor Federal Credit UnionCredit union Burbank, CA49 out of 100, Below average$82.7M8.1%0.32%vs
Cal State L.A. Federal Credit UnionCredit union Los Angeles, CA61 out of 100, Moderate$80.2M9.0%0.53%vs
Sonoma Federal Credit UnionCredit union Santa Rosa, CA83 out of 100, Strong$80.0M13.5%0.63%vs
Calcom Federal Credit UnionCredit union Long Beach, CA82 out of 100, Strong$83.9M16.3%0.42%vs

Deposit insurance

Is my money safe at Nikkei Credit Union?

Yes. Nikkei Credit Union is a federally insured credit union (NCUA charter #65059). 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 0.7% of shares and deposits ($469K) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 14.23%, well 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

Nikkei Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Nikkei Credit Union reported 16 home-loan applications under HMDA (LEI 5493004IRV3T6D4NNV33): 16 originated ($2,400,000 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
Nikkei Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
65059
RSSD ID
281797
Primary regulator
State + NCUA
Established
1951
Headquarters
18425 S Western Ave, Gardena, CA 90248
Employees
15

Quick answers

Nikkei Credit Union: common questions

Is Nikkei Credit Union NCUA insured?

Yes. Nikkei Credit Union is a federally insured credit union (NCUA charter #65059). 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 Nikkei Credit Union's TellerScore?

53 out of 100 (Below average), 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 Nikkei Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Gardena

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
California International Bank, N.A.Bank Westminster, CA89 out of 100, Very strong$120.9M13.5%0.00%vs
Malaga Bank F.S.B.Bank Palos Verdes Peninsula, CA88 out of 100, Very strong$1.4B16.8%0.00%vs