San Mateo City Employees Federal Credit Union is a federal credit union headquartered in San Mateo, California, in business for about 77 years. At the end of Q2 2026 it reported $31.8M in total assets and $25.9M in member shares and deposits, with 2 offices.
San Mateo City Employees Federal Credit Union has a TellerScore of 87 out of 100 (very strong) based on Q2 2026 data — higher than 83% of its 2,479 credit unions with under $100 million in assets. Among 238 credit unions headquartered in California, it ranks 25th. Capital cushion contributes the most (100/100, 18.36%); earnings contributes the least (34/100, 0.34%).
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 30 points (57 → 87), mostly because the loan quality component improved by 100 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 66 |
| Q3 2024 | 55 |
| Q4 2024 | 56 |
| Q1 2025 | 59 |
| Q2 2025 | 57 |
| Q3 2025 | 60 |
| Q4 2025 | 77 |
| Q1 2026 | 79 |
| Q2 2026 | 87 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 15.56% |
| Q3 2024 | 15.81% |
| Q4 2024 | 15.96% |
| Q1 2025 | 15.70% |
| Q2 2025 | 16.71% |
| Q3 2025 | 17.70% |
| Q4 2025 | 18.27% |
| Q1 2026 | 17.46% |
| Q2 2026 | 18.36% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 1.87% |
| Q3 2024 | 7.65% |
| Q4 2024 | 6.70% |
| Q1 2025 | 7.24% |
| Q2 2025 | 3.64% |
| Q3 2025 | 3.96% |
| Q4 2025 | 1.09% |
| Q1 2026 | 0.72% |
| Q2 2026 | 0.00% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | -0.28% |
| Q3 2024 | -0.25% |
| Q4 2024 | -0.23% |
| Q1 2025 | 0.14% |
| Q2 2025 | -0.13% |
| Q3 2025 | 0.26% |
| Q4 2025 | 0.29% |
| Q1 2026 | 0.19% |
| Q2 2026 | 0.34% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 87 | $31.8M | 18.36% | 0.00% | 0.34% | 18.2% |
| Q1 2026 | 79 | $33.3M | 17.46% | 0.72% | 0.19% | 18.1% |
| Q4 2025 | 77 | $31.9M | 18.27% | 1.09% | 0.29% | 19.6% |
| Q3 2025 | 60 | $33.0M | 17.70% | 3.96% | 0.26% | 19.5% |
| Q2 2025 | 57 | $34.8M | 16.71% | 3.64% | -0.13% | 18.8% |
| Q1 2025 | 59 | $36.6M | 15.70% | 7.24% | 0.14% | 18.1% |
| Q4 2024 | 56 | $35.9M | 15.96% | 6.70% | -0.23% | 19.5% |
| Q3 2024 | 55 | $36.3M | 15.81% | 7.65% | -0.25% | 20.4% |
| Q2 2024 | 66 | $37.0M | 15.56% | 1.87% | -0.28% | 19.6% |
2,479 peers · Under $100 million in assets
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 |
|---|---|---|---|---|---|
| Capstone Federal Credit UnionCredit union Aliso Viejo, CA | 62 out of 100, Moderate | $31.9M | 12.8% | 1.69% | vs |
| Hanin Federal Credit UnionCredit union Los Angeles, CA | 69 out of 100, Moderate | $32.4M | 13.8% | 1.07% | vs |
| Bakersfield City Employees Federal Credit UnionCredit union Bakersfield, CA | 78 out of 100, Strong | $30.1M | 12.1% | 0.03% | vs |
| Sun Pacific Federal Credit UnionCredit union Richmond, CA | 81 out of 100, Strong | $29.9M | 20.5% | 1.16% | vs |
| Antioch Community Federal Credit UnionCredit union Antioch, CA | 79 out of 100, Strong | $33.8M | 15.2% | 1.53% | vs |
| Utility District Credit UnionCredit union Oakland, CA | 71 out of 100, Strong | $34.2M | 9.3% | 0.57% | vs |
Deposit insurance
Is my money safe at San Mateo City Employees Federal Credit Union?
Yes. San Mateo City Employees Federal Credit Union is a federally insured credit union (NCUA charter #6326). 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 12.7% of shares and deposits ($3.3M) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.
The net worth ratio is 18.36%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
2 locations
Branches
San Mateo City Employees Federal Credit Union lists 2 offices in 1 city. Most locations:
- San Mateo, CA (2)
Identity & history
Profile
- Legal name
- San Mateo City Employees Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 6326
- RSSD ID
- 10885
- Primary regulator
- NCUA
- Established
- 1949
- Headquarters
- Credit Union, 330 W 20th Ave, San Mateo, CA 94403
- Employees
- 5
Quick answers
San Mateo City Employees Federal Credit Union: common questions
Is San Mateo City Employees Federal Credit Union NCUA insured?
Yes. San Mateo City Employees Federal Credit Union is a federally insured credit union (NCUA charter #6326). 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 Mateo City Employees Federal Credit Union's TellerScore?
87 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 San Mateo City Employees Federal Credit Union have?
2 offices as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near San Mateo
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Northeast Community Federal Credit UnionCredit union San Francisco, CA | 100 out of 100, Very strong | $15.2M | 32.6% | 0.00% | 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 |
| San Francisco Federal Credit UnionCredit union San Francisco, CA | 86 out of 100, Very strong | $1.6B | 13.6% | 0.15% | vs |
| San Francisco Lee Federal Credit UnionCredit union San Francisco, CA | 85 out of 100, Very strong | $10.7M | 53.3% | 0.00% | vs |
| Sea West Coast Guard Federal Credit UnionCredit union Oakland, CA | 83 out of 100, Strong | $377.9M | 20.2% | 0.01% | vs |
| GBC International BankBank Los Angeles, CA | 83 out of 100, Strong | $658.5M | 15.9% | 0.26% | vs |