Headquartered in El Monte, California, Rize Federal Credit Union is a federal credit union with $1.3B in total assets and $1.1B in member shares and deposits as of Q2 2026. It operates 5 offices across 2 states. Its charter dates back to 1952.
Rize Federal Credit Union has a TellerScore of 54 out of 100 (below average) based on Q2 2026 data — higher than only 11% of its 454 credit unions with $1 billion – $10 billion. Among 238 credit unions headquartered in California, it ranks 208th. Problem-loan coverage contributes the most (86/100, 7.0%); earnings contributes the least (9/100, -0.28%).
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 8 points (62 → 54), mostly because the earnings component weakened by 25 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 57 |
| Q3 2024 | 56 |
| Q4 2024 | 59 |
| Q1 2025 | 62 |
| Q2 2025 | 62 |
| Q3 2025 | 60 |
| Q4 2025 | 57 |
| Q1 2026 | 53 |
| Q2 2026 | 54 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 8.47% |
| Q3 2024 | 8.45% |
| Q4 2024 | 10.32% |
| Q1 2025 | 10.09% |
| Q2 2025 | 10.23% |
| Q3 2025 | 10.21% |
| Q4 2025 | 10.10% |
| Q1 2026 | 10.32% |
| Q2 2026 | 10.39% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.57% |
| Q3 2024 | 0.68% |
| Q4 2024 | 0.96% |
| Q1 2025 | 0.71% |
| Q2 2025 | 0.55% |
| Q3 2025 | 0.64% |
| Q4 2025 | 0.91% |
| Q1 2026 | 0.94% |
| Q2 2026 | 0.89% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.27% |
| Q3 2024 | 0.36% |
| Q4 2024 | 0.36% |
| Q1 2025 | 0.44% |
| Q2 2025 | 0.35% |
| Q3 2025 | 0.22% |
| Q4 2025 | 0.22% |
| Q1 2026 | -0.33% |
| Q2 2026 | -0.28% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 54 | $1.3B | 10.39% | 0.89% | -0.28% | 97.2% |
| Q1 2026 | 53 | $1.3B | 10.32% | 0.94% | -0.33% | 93.6% |
| Q4 2025 | 57 | $1.3B | 10.10% | 0.91% | 0.22% | 97.5% |
| Q3 2025 | 60 | $1.2B | 10.21% | 0.64% | 0.22% | 93.9% |
| Q2 2025 | 62 | $1.2B | 10.23% | 0.55% | 0.35% | 91.2% |
| Q1 2025 | 62 | $1.2B | 10.09% | 0.71% | 0.44% | 88.3% |
| Q4 2024 | 59 | $1.2B | 10.32% | 0.96% | 0.36% | 89.8% |
| Q3 2024 | 56 | $1.2B | 8.45% | 0.68% | 0.36% | 88.2% |
| Q2 2024 | 57 | $1.1B | 8.47% | 0.57% | 0.27% | 86.7% |
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 |
|---|---|---|---|---|---|
| Los Angeles Federal Credit UnionCredit union Glendale, CA | 69 out of 100, Moderate | $1.3B | 11.4% | 0.70% | vs |
| Southland Credit UnionCredit union Los Alamitos, CA | 49 out of 100, Below average | $1.3B | 8.6% | 1.48% | vs |
| Pacific Service Credit UnionCredit union Concord, CA | 82 out of 100, Strong | $1.3B | 15.5% | 0.35% | vs |
| 1st United Credit UnionCredit union Pleasanton, CA | 77 out of 100, Strong | $1.3B | 12.2% | 0.25% | vs |
| Farmers Insurance Federal Credit UnionCredit union Los Angeles, CA | 49 out of 100, Below average | $1.3B | 9.9% | 1.57% | vs |
| Sesloc Credit UnionCredit union San Luis Obispo, CA | 64 out of 100, Moderate | $1.3B | 9.4% | 0.40% | vs |
Deposit insurance
Is my money safe at Rize Federal Credit Union?
Yes. Rize Federal Credit Union is a federally insured credit union (NCUA charter #7835). 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 9.7% of shares and deposits ($101.9M) 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 10.39%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.
5 locations
Branches
Rize Federal Credit Union lists 5 offices in 4 cities across 2 states. Most locations:
- Irwindale, CA (2)
- Las Vegas, NV (1)
- Lynwood, CA (1)
- Ontario, CA (1)
HMDA 2025
Mortgage lending
In 2025, Rize Federal Credit Union reported 562 home-loan applications under HMDA (LEI 5493001FMENBK31GGQ69): 311 originated ($61,985,000 total), 170 denied, and 13 withdrawn or closed by the applicant. Its denial rate on decided applications was 31.0%, 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
- Rize Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 7835
- RSSD ID
- 161086
- Primary regulator
- NCUA
- Established
- 1952
- Headquarters
- Po Box 8017, El Monte, CA 91734
- Employees
- 199
Quick answers
Rize Federal Credit Union: common questions
Is Rize Federal Credit Union NCUA insured?
Yes. Rize Federal Credit Union is a federally insured credit union (NCUA charter #7835). 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 Rize Federal Credit Union's TellerScore?
54 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 Rize Federal Credit Union have?
5 offices as of the latest NCUA data, in 2 states.
Nearby
Highest-scoring banks and credit unions with branches near El Monte
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The Bank of New York Mellon Trust Company, National AssociationBank Los Angeles, CA | 100 out of 100, Very strong | $1.4B | 63.5% | 0.00% | vs |
| Asian Pacific National BankBank San Gabriel, CA | 89 out of 100, Very strong | $56.9M | 20.1% | 0.00% | vs |
| California Adventist Federal Credit UnionCredit union Glendale, CA | 89 out of 100, Very strong | $44.7M | 20.1% | 0.04% | vs |
| Certified Federal Credit UnionCredit union El Monte, CA | 88 out of 100, Very strong | $925.3M | 20.7% | 0.37% | vs |
| American Plus Bank, N.A.Bank Arcadia, CA | 88 out of 100, Very strong | $935.0M | 16.5% | 0.04% | vs |
| L. A. Electrical Workers Credit Un. Credit UnionCredit union Pasadena, CA | 88 out of 100, Very strong | $54.8M | 19.8% | 0.08% | vs |