Headquartered in Folsom, California, Safe Credit Union is a federally insured state-chartered credit union with $4.4B in total assets and $3.9B in member shares and deposits as of Q2 2026. It operates 18 offices. Its charter dates back to 1940.
Safe Credit Union has a TellerScore of 71 out of 100 (strong) based on Q2 2026 data — higher than 62% of its 454 credit unions with $1 billion – $10 billion. Among 238 credit unions headquartered in California, it ranks 108th. Problem-loan coverage contributes the most (93/100, 3.4%); capital cushion contributes the least (58/100, 10.82%).
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 rose 3 points (68 → 71), mostly because the earnings component improved by 11 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 63 |
| Q3 2024 | 63 |
| Q4 2024 | 67 |
| Q1 2025 | 68 |
| Q2 2025 | 68 |
| Q3 2025 | 68 |
| Q4 2025 | 67 |
| Q1 2026 | 71 |
| Q2 2026 | 71 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 9.12% |
| Q3 2024 | 9.21% |
| Q4 2024 | 9.98% |
| Q1 2025 | 9.86% |
| Q2 2025 | 10.15% |
| Q3 2025 | 10.33% |
| Q4 2025 | 10.37% |
| Q1 2026 | 10.49% |
| Q2 2026 | 10.82% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.43% |
| Q3 2024 | 0.47% |
| Q4 2024 | 0.42% |
| Q1 2025 | 0.30% |
| Q2 2025 | 0.49% |
| Q3 2025 | 0.42% |
| Q4 2025 | 0.54% |
| Q1 2026 | 0.42% |
| Q2 2026 | 0.52% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.58% |
| Q3 2024 | 0.49% |
| Q4 2024 | 0.57% |
| Q1 2025 | 0.58% |
| Q2 2025 | 0.69% |
| Q3 2025 | 0.65% |
| Q4 2025 | 0.65% |
| Q1 2026 | 0.93% |
| Q2 2026 | 0.97% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 71 | $4.4B | 10.82% | 0.52% | 0.97% | 79.9% |
| Q1 2026 | 71 | $4.5B | 10.49% | 0.42% | 0.93% | 79.9% |
| Q4 2025 | 67 | $4.4B | 10.37% | 0.54% | 0.65% | 79.8% |
| Q3 2025 | 68 | $4.4B | 10.33% | 0.42% | 0.65% | 78.4% |
| Q2 2025 | 68 | $4.4B | 10.15% | 0.49% | 0.69% | 77.3% |
| Q1 2025 | 68 | $4.4B | 9.86% | 0.30% | 0.58% | 76.7% |
| Q4 2024 | 67 | $4.3B | 9.98% | 0.42% | 0.57% | 80.2% |
| Q3 2024 | 63 | $4.6B | 9.21% | 0.47% | 0.49% | 82.3% |
| Q2 2024 | 63 | $4.6B | 9.12% | 0.43% | 0.58% | 83.0% |
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 |
|---|---|---|---|---|---|
| Technology Credit UnionCredit union San Jose, CA | 62 out of 100, Moderate | $4.5B | 11.3% | 0.57% | vs |
| Stanford Federal Credit UnionCredit union Palo Alto, CA | 73 out of 100, Strong | $4.6B | 11.2% | 0.21% | vs |
| Valley Strong Credit UnionCredit union Bakersfield, CA | 51 out of 100, Below average | $4.1B | 9.3% | 1.94% | vs |
| Credit Union of Southern Ca, aCredit union Anaheim, CA | 75 out of 100, Strong | $4.0B | 11.3% | 0.60% | vs |
| Nuvision Federal Credit UnionCredit union Huntington Beac, CA | 70 out of 100, Strong | $4.0B | 12.0% | 0.62% | vs |
| Provident Credit UnionCredit union Redwood City, CA | 72 out of 100, Strong | $3.6B | 10.9% | 0.07% | vs |
Deposit insurance
Is my money safe at Safe Credit Union?
Yes. Safe Credit Union is a federally insured credit union (NCUA charter #68366). 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 0.1% of shares and deposits ($5.8M) are above the $250,000 NCUA insurance limit, below the peer median of 9%. Insured balances are protected regardless of the score.
The net worth ratio is 10.82%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.
18 locations
Branches
Safe Credit Union lists 18 offices in 11 cities. Most locations:
- Sacramento, CA (4)
- Citrus Heights, CA (2)
- Elk Grove, CA (2)
- Folsom, CA (2)
- Roseville, CA (2)
- Antelope, CA (1)
- Fair Oaks, CA (1)
- Lincoln, CA (1)
- North Highlands, CA (1)
- Rocklin, CA (1)
- West Sacramento, CA (1)
HMDA 2025
Mortgage lending
In 2025, Safe Credit Union reported 1,311 home-loan applications under HMDA (LEI 549300SGD2RNJOEDDS24): 989 originated ($246,445,000 total), 112 denied, and 203 withdrawn or closed by the applicant. Its denial rate on decided applications was 10.1%, 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
- Safe Credit Union
- Type
- Federally insured state-chartered credit union
- NCUA charter #
- 68366
- RSSD ID
- 324779
- Primary regulator
- State + NCUA
- Established
- 1940
- Headquarters
- 2295 Iron Point Rd, Ste 100, Folsom, CA 95630
- Employees
- 672
Quick answers
Safe Credit Union: common questions
Is Safe Credit Union NCUA insured?
Yes. Safe Credit Union is a federally insured credit union (NCUA charter #68366). 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 Safe Credit Union's TellerScore?
71 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 Safe Credit Union have?
18 offices as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Folsom
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Sacramento Credit UnionCredit union Sacramento, CA | 96 out of 100, Very strong | $858.3M | 15.1% | 0.09% | vs |
| Bank of StocktonBank Stockton, CA | 94 out of 100, Very strong | $5.0B | 19.9% | 0.08% | 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 |
| SoFi Bank, National AssociationBank Cottonwood Heights, UT | 88 out of 100, Very strong | $56.8B | 13.3% | 0.08% | vs |
| El Dorado Savings Bank, F.S.B.Bank Placerville, CA | 84 out of 100, Strong | $2.4B | 13.4% | 0.28% | vs |
| Beal Bank USABank Las Vegas, NV | 80 out of 100, Strong | $11.0B | 21.9% | 0.78% | vs |