TellerScore

Headquartered in Downey, California, Rancho Federal Credit Union is a federal credit union with $108.8M in total assets and $99.7M in member shares and deposits as of Q2 2026. It operates 3 offices. Its charter dates back to 1936.

Rancho Federal Credit Union has a TellerScore of 64 out of 100 (moderate) based on Q2 2026 data — higher than only 31% of its 1,341 credit unions with $100 million – $1 billion. Among 238 credit unions headquartered in California, it ranks 157th. Funding & liquidity contributes the most (100/100, 61% loans-to-deposits, 3% uninsured); capital cushion contributes the least (36/100, 8.64%).

TellerScore · Q2 2026

Scorecard

Capital cushion36/100
Net worth ratio: 8.64%
Loan quality84/100
Loans 60+ days delinquent ÷ total loans: 0.47%
Earnings39/100
Return on assets (annualized): 0.47%
Funding & liquidity100/100
Loans ÷ shares: 60.6% · 3.3% uninsured
Problem-loan coverage94/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.99%

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 (64 → 64).

TellerScore
586367Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202458
Q3 202463
Q4 202465
Q1 202564
Q2 202564
Q3 202565
Q4 202565
Q1 202667
Q2 202664
Net worth ratio
7.00%7.82%8.64%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20247.79%
Q3 20247.97%
Q4 20248.29%
Q1 20258.13%
Q2 20258.28%
Q3 20258.42%
Q4 20258.47%
Q1 20268.42%
Q2 20268.64%
Delinquent loans (60+ days)
0.12%0.29%0.47%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.39%
Q3 20240.16%
Q4 20240.14%
Q1 20250.26%
Q2 20250.28%
Q3 20250.27%
Q4 20250.14%
Q1 20260.12%
Q2 20260.47%
Return on assets
-0.09%0.21%0.52%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 2024-0.09%
Q3 20240.21%
Q4 20240.42%
Q1 20250.42%
Q2 20250.42%
Q3 20250.43%
Q4 20250.32%
Q1 20260.52%
Q2 20260.47%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202664$108.8M8.64%0.47%0.47%60.6%
Q1 202667$110.3M8.42%0.12%0.52%61.1%
Q4 202565$107.9M8.47%0.14%0.32%63.5%
Q3 202565$109.1M8.42%0.27%0.43%63.3%
Q2 202564$109.6M8.28%0.28%0.42%62.0%
Q1 202564$110.1M8.13%0.26%0.42%60.7%
Q4 202465$106.6M8.29%0.14%0.42%64.4%
Q3 202463$108.0M7.97%0.16%0.21%64.1%
Q2 202458$107.7M7.79%0.39%-0.09%61.0%

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 ratio8.64%
9th
Problem loans0.47%
69th
Net charge-offs0.10%
85th
Return on assets0.47%
28th
Loans to deposits60.6%
77th
Uninsured deposits3.3%
79th
Loan-loss reserves0.00%
50th
Texas ratio3.0%
61st

Similar-size credit unions in California

InstitutionScoreAssetsCapitalProblem loansCompare
Kaiperm Federal Credit UnionCredit union Walnut Creek, CA66 out of 100, Moderate$108.4M9.3%0.05%vs
First California Federal Credit UnionCredit union Fresno, CA78 out of 100, Strong$109.7M10.6%0.98%vs
Lassen County Federal Credit UnionCredit union Susanville, CA79 out of 100, Strong$107.5M13.6%0.49%vs
Santa Ana Federal Credit UnionCredit union Santa Ana, CA90 out of 100, Very strong$111.6M13.5%0.06%vs
Marin County Federal Credit UnionCredit union San Rafael, CA66 out of 100, Moderate$103.5M12.1%1.69%vs
Glendale Federal Credit UnionCredit union Glendale, CA78 out of 100, Strong$102.7M12.6%0.29%vs

Deposit insurance

Is my money safe at Rancho Federal Credit Union?

Yes. Rancho Federal Credit Union is a federally insured credit union (NCUA charter #1204). 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 3.3% of shares and deposits ($3.3M) are above the $250,000 NCUA insurance limit, below the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 8.64%, slightly above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

3 locations

Branches

Rancho Federal Credit Union lists 3 offices in 3 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Rancho Federal Credit Union
Type
Federal credit union
NCUA charter #
1204
RSSD ID
650272
Primary regulator
NCUA
Established
1936
Headquarters
12620 Erickson Ave Ste H, Downey, CA 90242
Employees
25

Quick answers

Rancho Federal Credit Union: common questions

Is Rancho Federal Credit Union NCUA insured?

Yes. Rancho Federal Credit Union is a federally insured credit union (NCUA charter #1204). 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 Rancho Federal Credit Union's TellerScore?

64 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 Rancho Federal Credit Union have?

3 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Downey

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
Capital Bank and Trust CompanyBank Irvine, CA94 out of 100, Very strong$266.1M79.3%0.00%vs
Operating Engineers Local Union #3 Federal Credit UnionCredit union Livermore, CA92 out of 100, Very strong$1.7B15.5%0.60%vs
Long Beach Firemen S Credit UnionCredit union Long Beach, CA91 out of 100, Very strong$201.5M29.4%0.02%vs
Santa Ana Federal Credit UnionCredit union Santa Ana, CA90 out of 100, Very strong$111.6M13.5%0.06%vs
Asian Pacific National BankBank San Gabriel, CA89 out of 100, Very strong$56.9M20.1%0.00%vs