Orange County'S Federal Credit Union is a federal credit union headquartered in Santa Ana, California, in business for about 88 years. At the end of Q2 2026 it reported $3.1B in total assets and $2.6B in member shares and deposits, with 9 offices.
Based on its Q2 2026 filing, Orange County'S Federal Credit Union scores 70/100, which we describe as strong. That is higher than 58% of 454 credit unions with $1 billion – $10 billion. Among 238 credit unions headquartered in California, it ranks 114th. Its strongest component is problem-loan coverage (90/100; 4.9%), and its lowest is capital cushion (57/100; 10.66%).
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.
3 quarters
Health trend
From Q4 2025 to Q2 2026, the score rose 4 points (66 → 70), mostly because the earnings component improved by 16 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q4 2025 | 66 |
| Q1 2026 | 68 |
| Q2 2026 | 70 |
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| Quarter | Net worth ratio |
|---|---|
| Q4 2025 | 10.38% |
| Q1 2026 | 10.29% |
| Q2 2026 | 10.66% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q4 2025 | 0.64% |
| Q1 2026 | 0.53% |
| Q2 2026 | 0.65% |
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| Quarter | Return on assets |
|---|---|
| Q4 2025 | 0.93% |
| Q1 2026 | 1.08% |
| Q2 2026 | 1.31% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 70 | $3.1B | 10.66% | 0.65% | 1.31% | 94.6% |
| Q1 2026 | 68 | $3.1B | 10.29% | 0.53% | 1.08% | 92.6% |
| Q4 2025 | 66 | $3.0B | 10.38% | 0.64% | 0.93% | 93.8% |
454 peers · $1 billion – $10 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).
Similar-size credit unions in California
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| F & a Federal Credit UnionCredit union Monterey Park, CA | 82 out of 100, Strong | $3.2B | 12.6% | 0.36% | vs |
| Arrowhead Federal Credit UnionCredit union Rancho Cucamong, CA | 72 out of 100, Strong | $2.9B | 11.4% | 0.90% | vs |
| Premier America Credit UnionCredit union Chatsworth, CA | 41 out of 100, Below average | $3.3B | 9.5% | 1.80% | vs |
| Partners Federal Credit UnionCredit union Burbank, CA | 68 out of 100, Moderate | $2.8B | 11.7% | 0.74% | vs |
| California Coast Credit UnionCredit union San Diego, CA | 85 out of 100, Very strong | $3.5B | 13.9% | 0.26% | vs |
| Altura Federal Credit UnionCredit union Riverside, CA | 70 out of 100, Strong | $2.6B | 11.2% | 0.65% | vs |
Deposit insurance
Is my money safe at Orange County'S Federal Credit Union?
Yes. Orange County'S Federal Credit Union is a federally insured credit union (NCUA charter #24981). 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 8.4% of shares and deposits ($214.5M) are above the $250,000 NCUA insurance limit, close to the peer median of 9%. Insured balances are protected regardless of the score.
The net worth ratio is 10.66%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.
9 locations
Branches
Orange County'S Federal Credit Union lists 9 offices in 8 cities. Most locations:
- Santa Ana, CA (2)
- Chino, CA (1)
- Fullerton, CA (1)
- Huntington Beach, CA (1)
- Irvine, CA (1)
- Long Beach, CA (1)
- Mission Viejo, CA (1)
- Yorba Linda, CA (1)
Identity & history
Profile
- Legal name
- Orange County'S Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 24981
- RSSD ID
- 980698
- Primary regulator
- NCUA
- Established
- 1938
- Headquarters
- 1701 E Saint Andrew Pl, Santa Ana, CA 92705
- Employees
- 355
Quick answers
Orange County'S Federal Credit Union: common questions
Is Orange County'S Federal Credit Union NCUA insured?
Yes. Orange County'S Federal Credit Union is a federally insured credit union (NCUA charter #24981). 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 Orange County'S Federal Credit Union's TellerScore?
70 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 Orange County'S Federal Credit Union have?
9 offices as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Santa Ana
| 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 |
| Operating Engineers Local Union #3 Federal Credit UnionCredit union Livermore, CA | 92 out of 100, Very strong | $1.7B | 15.5% | 0.60% | vs |
| Long Beach Firemen S Credit UnionCredit union Long Beach, CA | 91 out of 100, Very strong | $201.5M | 29.4% | 0.02% | vs |
| Santa Ana Federal Credit UnionCredit union Santa Ana, CA | 90 out of 100, Very strong | $111.6M | 13.5% | 0.06% | vs |
| California International Bank, N.A.Bank Westminster, CA | 89 out of 100, Very strong | $120.9M | 13.5% | 0.00% | vs |
| Certified Federal Credit UnionCredit union El Monte, CA | 88 out of 100, Very strong | $925.3M | 20.7% | 0.37% | vs |