TellerScore

Headquartered in Fresno, California, San Joaquin Power Employees Credit Union is a federally insured state-chartered credit union with $174.9M in total assets and $144.9M in member shares and deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1934.

San Joaquin Power Employees Credit Union has a TellerScore of 84 out of 100 (strong) based on Q2 2026 data — higher than 86% of its 1,341 credit unions with $100 million – $1 billion. Among 238 credit unions headquartered in California, it ranks 35th. Capital cushion contributes the most (100/100, 15.39%); earnings contributes the least (42/100, 0.55%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 15.39%
Loan quality99/100
Loans 60+ days delinquent ÷ total loans: 0.04%
Earnings42/100
Return on assets (annualized): 0.55%
Funding & liquidity73/100
Loans ÷ shares: 87.0% · 0.0% uninsured
Problem-loan coverage100/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.18%

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 (81 → 84), mostly because the earnings component improved by 12 points.

TellerScore
798284Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202479
Q3 202481
Q4 202481
Q1 202579
Q2 202581
Q3 202583
Q4 202584
Q1 202682
Q2 202684
Net worth ratio
7.00%11.20%15.39%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202414.69%
Q3 202414.71%
Q4 202414.69%
Q1 202514.64%
Q2 202514.64%
Q3 202514.73%
Q4 202514.79%
Q1 202615.33%
Q2 202615.39%
Delinquent loans (60+ days)
0.02%0.05%0.07%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.05%
Q3 20240.03%
Q4 20240.07%
Q1 20250.02%
Q2 20250.04%
Q3 20250.04%
Q4 20250.03%
Q1 20260.05%
Q2 20260.04%
Return on assets
0.03%0.29%0.55%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.05%
Q3 20240.18%
Q4 20240.26%
Q1 20250.03%
Q2 20250.26%
Q3 20250.49%
Q4 20250.54%
Q1 20260.36%
Q2 20260.55%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202684$174.9M15.39%0.04%0.55%87.0%
Q1 202682$173.3M15.33%0.05%0.36%86.2%
Q4 202584$178.5M14.79%0.03%0.54%86.7%
Q3 202583$177.1M14.73%0.04%0.49%85.5%
Q2 202581$175.3M14.64%0.04%0.26%85.1%
Q1 202579$173.8M14.64%0.02%0.03%83.0%
Q4 202481$173.2M14.69%0.07%0.26%84.4%
Q3 202481$171.5M14.71%0.03%0.18%83.1%
Q2 202479$170.4M14.69%0.05%0.05%84.2%

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 ratio15.39%
87th
Problem loans0.04%
98th
Net charge-offs0.05%
92nd
Return on assets0.55%
35th
Loans to deposits87.0%
24th
Uninsured deposits0.0%
98th
Loan-loss reserves0.00%
50th
Texas ratio0.2%
98th

Similar-size credit unions in California

InstitutionScoreAssetsCapitalProblem loansCompare
Vida Federal Credit UnionCredit union Ontario, CA83 out of 100, Strong$174.6M13.8%0.13%vs
California Lithuanian Credit UnionCredit union Santa Monica, CA70 out of 100, Strong$175.1M17.4%1.45%vs
E-Central Credit UnionCredit union Pasadena, CA78 out of 100, Strong$173.5M23.4%0.77%vs
Santa Cruz Community Credit UnionCredit union Santa Cruz, CA57 out of 100, Moderate$172.1M10.6%0.52%vs
Mission City Federal Credit UnionCredit union Santa Clara, CA62 out of 100, Moderate$171.7M8.3%0.17%vs
Camino Federal Credit UnionCredit union Montebello, CA60 out of 100, Moderate$178.8M12.3%1.39%vs

Deposit insurance

Is my money safe at San Joaquin Power Employees Credit Union?

Yes. San Joaquin Power Employees Credit Union is a federally insured credit union (NCUA charter #66788). 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 0.0% of shares and deposits ($0) 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 15.39%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

San Joaquin Power Employees Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, San Joaquin Power Employees Credit Union reported 46 home-loan applications under HMDA (LEI 2549007M6CTUCB5K0R54): 32 originated ($9,370,000 total), 5 denied, and 9 withdrawn or closed by the applicant. Its denial rate on decided applications was 13.5%, 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.

Identity & history

Profile

Legal name
San Joaquin Power Employees Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
66788
RSSD ID
981891
Primary regulator
State + NCUA
Established
1934
Headquarters
1080 W Shaw Ave Ste 109, Fresno, CA 93711
Employees
7

Quick answers

San Joaquin Power Employees Credit Union: common questions

Is San Joaquin Power Employees Credit Union NCUA insured?

Yes. San Joaquin Power Employees Credit Union is a federally insured credit union (NCUA charter #66788). 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 San Joaquin Power Employees Credit Union's TellerScore?

84 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 San Joaquin Power Employees Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Fresno

InstitutionScoreAssetsCapitalProblem loansCompare
Fresno Grangers Federal Credit UnionCredit union Fresno, CA98 out of 100, Very strong$25.9M24.6%0.00%vs
Educational Employees Credit UnionCredit union Fresno, CA96 out of 100, Very strong$5.4B14.6%0.20%vs
Operating Engineers Local Union #3 Federal Credit UnionCredit union Livermore, CA92 out of 100, Very strong$1.7B15.5%0.60%vs
Fresno Police Department Credit UnionCredit union Fresno, CA89 out of 100, Very strong$49.5M23.3%0.06%vs
Murphy BankBank Fresno, CA88 out of 100, Very strong$357.2M14.9%0.39%vs
Central Valley Firefighters Credit UnionCredit union Fresno, CA87 out of 100, Very strong$49.5M13.7%0.42%vs