TellerScore

Sacramento Credit Union (NCUA charter #62641) is based in Sacramento, California. Its Q2 2026 call report shows $858.3M in total assets and $722.4M in member shares and deposits and 8 offices.

Sacramento Credit Union has a TellerScore of 96 out of 100 (very strong) based on Q2 2026 data — higher than 99% of its 1,341 credit unions with $100 million – $1 billion. Among 238 credit unions headquartered in California, it ranks 5th. Capital cushion contributes the most (100/100, 15.14%); earnings contributes the least (88/100, 1.69%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 15.14%
Loan quality97/100
Loans 60+ days delinquent ÷ total loans: 0.09%
Earnings88/100
Return on assets (annualized): 1.69%
Funding & liquidity95/100
Loans ÷ shares: 65.5% · 12.0% uninsured
Problem-loan coverage99/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.34%

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 rose 3 points (93 → 96), mostly because the earnings component improved by 14 points.

TellerScore
859196Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202485
Q3 202487
Q4 202491
Q1 202593
Q2 202593
Q3 202594
Q4 202594
Q1 202694
Q2 202696
Net worth ratio
7.00%11.07%15.14%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202413.08%
Q3 202413.39%
Q4 202414.62%
Q1 202515.01%
Q2 202514.80%
Q3 202515.03%
Q4 202515.10%
Q1 202614.77%
Q2 202615.14%
Delinquent loans (60+ days)
0.04%0.10%0.15%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.06%
Q3 20240.07%
Q4 20240.15%
Q1 20250.07%
Q2 20250.04%
Q3 20250.04%
Q4 20250.06%
Q1 20260.10%
Q2 20260.09%
Return on assets
0.97%1.33%1.69%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.97%
Q3 20241.19%
Q4 20241.25%
Q1 20251.26%
Q2 20251.34%
Q3 20251.38%
Q4 20251.40%
Q1 20261.48%
Q2 20261.69%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202696$858.3M15.14%0.09%1.69%65.5%
Q1 202694$851.9M14.77%0.10%1.48%63.1%
Q4 202594$837.8M15.10%0.06%1.40%62.8%
Q3 202594$817.2M15.03%0.04%1.38%63.8%
Q2 202593$796.3M14.80%0.04%1.34%64.8%
Q1 202593$787.8M15.01%0.07%1.26%63.3%
Q4 202491$760.2M14.62%0.15%1.25%65.5%
Q3 202487$835.3M13.39%0.07%1.19%66.6%
Q2 202485$826.0M13.08%0.06%0.97%66.2%

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 ratio15.14%
86th
Problem loans0.09%
96th
Net charge-offs0.07%
89th
Return on assets1.69%
93rd
Loans to deposits65.5%
69th
Uninsured deposits12.0%
11th
Loan-loss reserves0.00%
50th
Texas ratio0.3%
96th

Similar-size credit unions in California

InstitutionScoreAssetsCapitalProblem loansCompare
Skyone Federal Credit UnionCredit union Hawthorne, CA47 out of 100, Below average$863.3M7.7%1.25%vs
Oceanair Federal Credit UnionCredit union Oxnard, CA49 out of 100, Below average$882.5M7.4%0.48%vs
1st Northern California Credit UnionCredit union Martinez, CA79 out of 100, Strong$829.0M11.8%0.03%vs
Sun Community Federal Credit UnionCredit union El Centro, CA56 out of 100, Moderate$895.6M8.4%0.25%vs
America'S Christian Credit UnionCredit union Glendora, CA58 out of 100, Moderate$819.8M8.9%0.58%vs
Merced School Employees Federal Credit UnionCredit union Merced, CA81 out of 100, Strong$899.0M11.8%0.44%vs

Deposit insurance

Is my money safe at Sacramento Credit Union?

Yes. Sacramento Credit Union is a federally insured credit union (NCUA charter #62641). 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 12.0% of shares and deposits ($86.5M) are above the $250,000 NCUA insurance limit, above the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 15.14%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

8 locations

Branches

Sacramento Credit Union lists 8 offices in 5 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Sacramento Credit Union reported 367 home-loan applications under HMDA (LEI 549300Z66NI4HM439O26): 235 originated ($47,845,000 total), 101 denied, and 12 withdrawn or closed by the applicant. Its denial rate on decided applications was 28.5%, 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.

CFPB TCCP survey · December 31, 2025

Credit card terms

CardPurchase APRAnnual feeLate feeForeign fee
Sacramento Credit Union Platinum, Platinum Rewards and Secured Visa11.50% – 21.40%$0—0.0%

All Sacramento Credit Union card terms

Identity & history

Profile

Legal name
Sacramento Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
62641
RSSD ID
734293
Primary regulator
State + NCUA
Established
1935
Headquarters
P.O. Box 2351, Sacramento, CA 95812
Employees
107

Quick answers

Sacramento Credit Union: common questions

Is Sacramento Credit Union NCUA insured?

Yes. Sacramento Credit Union is a federally insured credit union (NCUA charter #62641). 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 Sacramento Credit Union's TellerScore?

96 out of 100 (Very 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 Sacramento Credit Union have?

8 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Sacramento

InstitutionScoreAssetsCapitalProblem loansCompare
Bank of StocktonBank Stockton, CA94 out of 100, Very strong$5.0B19.9%0.08%vs
Operating Engineers Local Union #3 Federal Credit UnionCredit union Livermore, CA92 out of 100, Very strong$1.7B15.5%0.60%vs
SoFi Bank, National AssociationBank Cottonwood Heights, UT88 out of 100, Very strong$56.8B13.3%0.08%vs
El Dorado Savings Bank, F.S.B.Bank Placerville, CA84 out of 100, Strong$2.4B13.4%0.28%vs
Beal Bank USABank Las Vegas, NV80 out of 100, Strong$11.0B21.9%0.78%vs
Farmers & Merchants Bank of Central CaliforniaBank Lodi, CA79 out of 100, Strong$5.8B11.7%0.13%vs