Headquartered in San Luis Obispo, California, Sesloc Credit Union is a federally insured state-chartered credit union with $1.3B in total assets and $1.1B in member shares and deposits as of Q2 2026. It operates 7 offices. Its charter dates back to 1942.
Based on its Q2 2026 filing, Sesloc Credit Union scores 64/100, which we describe as moderate. That is higher than only 36% of 454 credit unions with $1 billion – $10 billion. Among 238 credit unions headquartered in California, it ranks 152nd. Its strongest component is problem-loan coverage (93/100; 3.7%), and its lowest is earnings (41/100; 0.53%).
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 (61 → 64), mostly because the earnings component improved by 7 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 64 |
| Q3 2024 | 64 |
| Q4 2024 | 64 |
| Q1 2025 | 62 |
| Q2 2025 | 61 |
| Q3 2025 | 62 |
| Q4 2025 | 62 |
| Q1 2026 | 62 |
| Q2 2026 | 64 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 9.33% |
| Q3 2024 | 9.53% |
| Q4 2024 | 9.55% |
| Q1 2025 | 9.41% |
| Q2 2025 | 9.38% |
| Q3 2025 | 9.46% |
| Q4 2025 | 9.48% |
| Q1 2026 | 9.32% |
| Q2 2026 | 9.41% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.32% |
| Q3 2024 | 0.42% |
| Q4 2024 | 0.46% |
| Q1 2025 | 0.43% |
| Q2 2025 | 0.53% |
| Q3 2025 | 0.56% |
| Q4 2025 | 0.67% |
| Q1 2026 | 0.50% |
| Q2 2026 | 0.40% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.53% |
| Q3 2024 | 0.54% |
| Q4 2024 | 0.52% |
| Q1 2025 | 0.23% |
| Q2 2025 | 0.35% |
| Q3 2025 | 0.47% |
| Q4 2025 | 0.55% |
| Q1 2026 | 0.40% |
| Q2 2026 | 0.53% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 64 | $1.3B | 9.41% | 0.40% | 0.53% | 83.2% |
| Q1 2026 | 62 | $1.3B | 9.32% | 0.50% | 0.40% | 79.9% |
| Q4 2025 | 62 | $1.2B | 9.48% | 0.67% | 0.55% | 81.8% |
| Q3 2025 | 62 | $1.2B | 9.46% | 0.56% | 0.47% | 82.4% |
| Q2 2025 | 61 | $1.2B | 9.38% | 0.53% | 0.35% | 81.8% |
| Q1 2025 | 62 | $1.2B | 9.41% | 0.43% | 0.23% | 81.4% |
| Q4 2024 | 64 | $1.1B | 9.55% | 0.46% | 0.52% | 82.9% |
| Q3 2024 | 64 | $1.1B | 9.53% | 0.42% | 0.54% | 83.4% |
| Q2 2024 | 64 | $1.1B | 9.33% | 0.32% | 0.53% | 85.1% |
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 |
|---|---|---|---|---|---|
| 1st United Credit UnionCredit union Pleasanton, CA | 77 out of 100, Strong | $1.3B | 12.2% | 0.25% | vs |
| Los Angeles Federal Credit UnionCredit union Glendale, CA | 69 out of 100, Moderate | $1.3B | 11.4% | 0.70% | vs |
| Rize Federal Credit UnionCredit union El Monte, CA | 54 out of 100, Below average | $1.3B | 10.4% | 0.89% | vs |
| Southland Credit UnionCredit union Los Alamitos, CA | 49 out of 100, Below average | $1.3B | 8.6% | 1.48% | vs |
| Honda Federal Credit UnionCredit union Torrance, CA | 62 out of 100, Moderate | $1.2B | 9.3% | 0.34% | vs |
| Pacific Service Credit UnionCredit union Concord, CA | 82 out of 100, Strong | $1.3B | 15.5% | 0.35% | vs |
Deposit insurance
Is my money safe at Sesloc Credit Union?
Yes. Sesloc Credit Union is a federally insured credit union (NCUA charter #68741). 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 11.5% of shares and deposits ($129.7M) are above the $250,000 NCUA insurance limit, above the peer median of 9%. Insured balances are protected regardless of the score.
The net worth ratio is 9.41%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.
7 locations
Branches
Sesloc Credit Union lists 7 offices in 5 cities. Most locations:
- San Luis Obispo, CA (3)
- Arroyo Grande, CA (1)
- Atascadero, CA (1)
- Paso Robles, CA (1)
- Santa Maria, CA (1)
Identity & history
Profile
- Legal name
- Sesloc Credit Union
- Type
- Federally insured state-chartered credit union
- NCUA charter #
- 68741
- RSSD ID
- 37079
- Primary regulator
- State + NCUA
- Established
- 1942
- Headquarters
- P.O. Box 5360, San Luis Obispo, CA 93403
- Employees
- 197
Quick answers
Sesloc Credit Union: common questions
Is Sesloc Credit Union NCUA insured?
Yes. Sesloc Credit Union is a federally insured credit union (NCUA charter #68741). 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 Sesloc Credit Union's TellerScore?
64 out of 100 (Moderate), 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 Sesloc Credit Union have?
7 offices as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near San Luis Obispo
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Murphy BankBank Fresno, CA | 88 out of 100, Very strong | $357.2M | 14.9% | 0.39% | vs |
| Mission BankBank Bakersfield, CA | 80 out of 100, Strong | $2.0B | 12.2% | 0.02% | vs |
| Slo Credit UnionCredit union San Luis Obispo, CA | 77 out of 100, Strong | $29.1M | 14.5% | 0.20% | vs |
| Bank of the SierraBank Porterville, CA | 77 out of 100, Strong | $3.7B | 12.2% | 0.43% | vs |
| West Coast Community BankBank Santa Cruz, CA | 75 out of 100, Strong | $2.9B | 12.0% | 0.50% | vs |
| Community Bank of Santa MariaBank Santa Maria, CA | 72 out of 100, Strong | $396.5M | 10.5% | 0.15% | vs |