TellerScore

Popa Federal Credit Union (NCUA charter #23004) is based in Cerritos, California. Its Q2 2026 call report shows $404.5M in total assets and $358.2M in member shares and deposits and 4 offices.

Popa Federal Credit Union has a TellerScore of 75 out of 100 (strong) based on Q2 2026 data — higher than 66% of its 1,341 credit unions with $100 million – $1 billion. Among 238 credit unions headquartered in California, it ranks 87th. Problem-loan coverage contributes the most (92/100, 4.0%); earnings contributes the least (67/100, 1.17%).

TellerScore · Q2 2026

Scorecard

Capital cushion68/100
Net worth ratio: 11.84%
Loan quality74/100
Loans 60+ days delinquent ÷ total loans: 0.79%
Earnings67/100
Return on assets (annualized): 1.17%
Funding & liquidity91/100
Loans ÷ shares: 68.8% · 6.1% uninsured
Problem-loan coverage92/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 4.04%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (74 → 75).

TellerScore
647178Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202464
Q3 202467
Q4 202469
Q1 202573
Q2 202574
Q3 202578
Q4 202578
Q1 202678
Q2 202675
Net worth ratio
7.00%9.42%11.84%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202410.66%
Q3 202410.87%
Q4 202411.40%
Q1 202511.05%
Q2 202511.13%
Q3 202511.36%
Q4 202511.65%
Q1 202611.63%
Q2 202611.84%
Delinquent loans (60+ days)
0.24%0.51%0.79%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.60%
Q3 20240.45%
Q4 20240.50%
Q1 20250.33%
Q2 20250.36%
Q3 20250.41%
Q4 20250.35%
Q1 20260.24%
Q2 20260.79%
Return on assets
0.30%0.77%1.23%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.30%
Q3 20240.35%
Q4 20240.44%
Q1 20250.69%
Q2 20250.83%
Q3 20251.23%
Q4 20251.12%
Q1 20260.93%
Q2 20261.17%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202675$404.5M11.84%0.79%1.17%68.8%
Q1 202678$399.4M11.63%0.24%0.93%68.7%
Q4 202578$390.7M11.65%0.35%1.12%69.8%
Q3 202578$394.3M11.36%0.41%1.23%69.4%
Q2 202574$388.8M11.13%0.36%0.83%70.7%
Q1 202573$383.0M11.05%0.33%0.69%72.2%
Q4 202469$365.5M11.40%0.50%0.44%78.1%
Q3 202467$377.7M10.87%0.45%0.35%80.7%
Q2 202464$385.9M10.66%0.60%0.30%82.2%

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 ratio11.84%
56th
Problem loans0.79%
43rd
Net charge-offs0.57%
28th
Return on assets1.17%
77th
Loans to deposits68.8%
63rd
Uninsured deposits6.1%
48th
Loan-loss reserves0.00%
50th
Texas ratio4.0%
51st

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InstitutionScoreAssetsCapitalProblem loansCompare
Cahp Credit UnionCredit union Sacramento, CA68 out of 100, Moderate$406.7M8.9%0.10%vs
Eagle Community Credit UnionCredit union Lake Forest, CA63 out of 100, Moderate$409.2M9.9%0.49%vs
Yolo Federal Credit UnionCredit union Woodland, CA76 out of 100, Strong$412.4M13.0%0.78%vs
Glendale Area Schools Credit UnionCredit union Glendale, CA67 out of 100, Moderate$422.1M13.1%1.01%vs
Mocse Federal Credit UnionCredit union Modesto, CA74 out of 100, Strong$425.5M11.1%0.85%vs
Sea West Coast Guard Federal Credit UnionCredit union Oakland, CA83 out of 100, Strong$377.9M20.2%0.01%vs

Deposit insurance

Is my money safe at Popa Federal Credit Union?

Yes. Popa Federal Credit Union is a federally insured credit union (NCUA charter #23004). 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 6.1% of shares and deposits ($21.8M) 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 11.84%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

4 locations

Branches

Popa Federal Credit Union lists 4 offices in 4 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Popa Federal Credit Union reported 181 home-loan applications under HMDA (LEI 2549005B0YP23JCTYV51): 117 originated ($17,635,000 total), 47 denied, and 7 withdrawn or closed by the applicant. Its denial rate on decided applications was 27.0%, 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
Popa Federal Credit Union
Type
Federal credit union
NCUA charter #
23004
RSSD ID
139281
Primary regulator
NCUA
Established
1978
Headquarters
13304 Alondra Blvd, Cerritos, CA 90703
Employees
62

Quick answers

Popa Federal Credit Union: common questions

Is Popa Federal Credit Union NCUA insured?

Yes. Popa Federal Credit Union is a federally insured credit union (NCUA charter #23004). 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 Popa Federal Credit Union's TellerScore?

75 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 Popa Federal Credit Union have?

4 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Cerritos

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
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Santa Ana Federal Credit UnionCredit union Santa Ana, CA90 out of 100, Very strong$111.6M13.5%0.06%vs
California International Bank, N.A.Bank Westminster, CA89 out of 100, Very strong$120.9M13.5%0.00%vs