Headquartered in Norco, California, Novo Federal Credit Union is a federal credit union with $21.4M in total assets and $18.4M in member shares and deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1963.
Novo Federal Credit Union has a TellerScore of 80 out of 100 (strong) based on Q2 2026 data — higher than 65% of its 2,479 credit unions with under $100 million in assets. Among 238 credit unions headquartered in California, it ranks 55th. Problem-loan coverage contributes the most (96/100, 2.0%); earnings contributes the least (53/100, 0.83%).
TellerScore · Q2 2026
Scorecard
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 11 points (91 → 80), mostly because the earnings component weakened by 21 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 90 |
| Q3 2024 | 91 |
| Q4 2024 | 94 |
| Q1 2025 | 93 |
| Q2 2025 | 91 |
| Q3 2025 | 88 |
| Q4 2025 | 81 |
| Q1 2026 | 80 |
| Q2 2026 | 80 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 12.65% |
| Q3 2024 | 13.17% |
| Q4 2024 | 13.85% |
| Q1 2025 | 14.09% |
| Q2 2025 | 14.43% |
| Q3 2025 | 14.48% |
| Q4 2025 | 13.60% |
| Q1 2026 | 13.09% |
| Q2 2026 | 13.23% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.10% |
| Q3 2024 | 0.11% |
| Q4 2024 | 0.00% |
| Q1 2025 | 0.12% |
| Q2 2025 | 0.16% |
| Q3 2025 | 0.12% |
| Q4 2025 | 0.38% |
| Q1 2026 | 0.00% |
| Q2 2026 | 0.43% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 2.29% |
| Q3 2024 | 2.17% |
| Q4 2024 | 2.09% |
| Q1 2025 | 1.76% |
| Q2 2025 | 1.35% |
| Q3 2025 | 1.05% |
| Q4 2025 | 0.99% |
| Q1 2026 | 0.42% |
| Q2 2026 | 0.83% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 80 | $21.4M | 13.23% | 0.43% | 0.83% | 72.7% |
| Q1 2026 | 80 | $20.8M | 13.09% | 0.00% | 0.42% | 71.8% |
| Q4 2025 | 81 | $19.8M | 13.60% | 0.38% | 0.99% | 77.5% |
| Q3 2025 | 88 | $18.3M | 14.48% | 0.12% | 1.05% | 73.0% |
| Q2 2025 | 91 | $18.2M | 14.43% | 0.16% | 1.35% | 67.7% |
| Q1 2025 | 93 | $18.3M | 14.09% | 0.12% | 1.76% | 70.6% |
| Q4 2024 | 94 | $18.1M | 13.85% | 0.00% | 2.09% | 77.2% |
| Q3 2024 | 91 | $18.4M | 13.17% | 0.11% | 2.17% | 75.7% |
| Q2 2024 | 90 | $18.5M | 12.65% | 0.10% | 2.29% | 77.5% |
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).
Similar-size credit unions in California
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Ontario Public Employees Federal Credit UnionCredit union Ontario, CA | 87 out of 100, Very strong | $23.2M | 15.5% | 1.02% | vs |
| Northern Redwood Federal Credit UnionCredit union Arcata, CA | 48 out of 100, Below average | $23.7M | 7.9% | 1.07% | vs |
| Employees Choice Federal Credit UnionCredit union El Cajon, CA | 80 out of 100, Strong | $24.6M | 11.2% | 0.00% | vs |
| Fontana Federal Credit UnionCredit union Fontana, CA | 56 out of 100, Moderate | $17.5M | 8.6% | 1.06% | vs |
| Fresno Grangers Federal Credit UnionCredit union Fresno, CA | 98 out of 100, Very strong | $25.9M | 24.6% | 0.00% | vs |
| Center City Community Credit UnionCredit union Buena Park, CA | 62 out of 100, Moderate | $26.2M | 8.7% | 0.10% | vs |
Deposit insurance
Is my money safe at Novo Federal Credit Union?
Yes. Novo Federal Credit Union is a federally insured credit union (NCUA charter #15784). 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 0.0% of shares and deposits ($0) 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 13.23%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
2 locations
Branches
Novo Federal Credit Union lists 2 offices in 1 city. Most locations:
- Norco, CA (2)
Identity & history
Profile
- Legal name
- Novo Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 15784
- RSSD ID
- 359089
- Primary regulator
- NCUA
- Established
- 1963
- Headquarters
- P O Box 129, Norco, CA 92860
- Employees
- 6
Quick answers
Novo Federal Credit Union: common questions
Is Novo Federal Credit Union NCUA insured?
Yes. Novo Federal Credit Union is a federally insured credit union (NCUA charter #15784). 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 Novo Federal Credit Union's TellerScore?
80 out of 100 (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 Novo Federal Credit Union have?
2 offices as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Norco
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Capital Bank and Trust CompanyBank Irvine, CA | 94 out of 100, Very strong | $266.1M | 79.3% | 0.00% | vs |
| Redlands City Employees Federal Credit UnionCredit union Redlands, CA | 94 out of 100, Very strong | $10.2M | 25.4% | 0.00% | vs |
| Operating Engineers Local Union #3 Federal Credit UnionCredit union Livermore, CA | 92 out of 100, Very strong | $1.7B | 15.5% | 0.60% | vs |
| Santa Ana Federal Credit UnionCredit union Santa Ana, CA | 90 out of 100, Very strong | $111.6M | 13.5% | 0.06% | vs |
| American Plus Bank, N.A.Bank Arcadia, CA | 88 out of 100, Very strong | $935.0M | 16.5% | 0.04% | vs |
| Certified Federal Credit UnionCredit union El Monte, CA | 88 out of 100, Very strong | $925.3M | 20.7% | 0.37% | vs |