South Bay Credit Union is a non-federally insured state credit union headquartered in Redondo Beach, California, in business for about 73 years. At the end of Q2 2026 it reported $160.6M in total assets and $144.1M in member shares and deposits, with 4 offices across 2 states.
South Bay Credit Union has a TellerScore of 59 out of 100 (moderate) based on Q2 2026 data — higher than only 19% of its 1,341 credit unions with $100 million – $1 billion. Among 238 credit unions headquartered in California, it ranks 186th. Problem-loan coverage contributes the most (92/100, 4.0%); earnings contributes the least (24/100, 0.10%).
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 fell 2 points (61 → 59), mostly because the earnings component weakened by 7 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 57 |
| Q3 2024 | 53 |
| Q4 2024 | 50 |
| Q1 2025 | 60 |
| Q2 2025 | 61 |
| Q3 2025 | 61 |
| Q4 2025 | 62 |
| Q1 2026 | 59 |
| Q2 2026 | 59 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 9.49% |
| Q3 2024 | 9.29% |
| Q4 2024 | 8.95% |
| Q1 2025 | 9.18% |
| Q2 2025 | 9.54% |
| Q3 2025 | 9.55% |
| Q4 2025 | 9.64% |
| Q1 2026 | 9.54% |
| Q2 2026 | 9.41% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.68% |
| Q3 2024 | 0.65% |
| Q4 2024 | 0.71% |
| Q1 2025 | 0.47% |
| Q2 2025 | 0.45% |
| Q3 2025 | 0.49% |
| Q4 2025 | 0.56% |
| Q1 2026 | 0.60% |
| Q2 2026 | 0.48% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.07% |
| Q3 2024 | -0.31% |
| Q4 2024 | -0.56% |
| Q1 2025 | 0.33% |
| Q2 2025 | 0.28% |
| Q3 2025 | 0.32% |
| Q4 2025 | 0.45% |
| Q1 2026 | 0.13% |
| Q2 2026 | 0.10% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 59 | $160.6M | 9.41% | 0.48% | 0.10% | 85.7% |
| Q1 2026 | 59 | $164.3M | 9.54% | 0.60% | 0.13% | 82.6% |
| Q4 2025 | 62 | $156.8M | 9.64% | 0.56% | 0.45% | 87.3% |
| Q3 2025 | 61 | $153.1M | 9.55% | 0.49% | 0.32% | 88.9% |
| Q2 2025 | 61 | $150.6M | 9.54% | 0.45% | 0.28% | 89.2% |
| Q1 2025 | 60 | $156.1M | 9.18% | 0.47% | 0.33% | 89.9% |
| Q4 2024 | 50 | $158.0M | 8.95% | 0.71% | -0.56% | 92.9% |
| Q3 2024 | 53 | $157.8M | 9.29% | 0.65% | -0.31% | 93.3% |
| Q2 2024 | 57 | $160.5M | 9.49% | 0.68% | 0.07% | 89.7% |
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).
Similar-size credit unions in California
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Kings Federal Credit UnionCredit union Hanford, CA | 86 out of 100, Very strong | $162.5M | 16.0% | 0.64% | vs |
| Torrance Community Federal Credit UnionCredit union Torrance, CA | 73 out of 100, Strong | $162.9M | 10.2% | 0.13% | vs |
| Tulare County Federal Credit UnionCredit union Tulare, CA | 48 out of 100, Below average | $166.6M | 6.9% | 0.74% | vs |
| San Diego Firefighters Federal Credit UnionCredit union San Diego, CA | 64 out of 100, Moderate | $152.6M | 7.7% | 0.26% | vs |
| Mission City Federal Credit UnionCredit union Santa Clara, CA | 62 out of 100, Moderate | $171.7M | 8.3% | 0.17% | vs |
| Santa Cruz Community Credit UnionCredit union Santa Cruz, CA | 57 out of 100, Moderate | $172.1M | 10.6% | 0.52% | vs |
Deposit insurance
Is my money safe at South Bay Credit Union?
South Bay Credit Union files NCUA call reports but its charter type is recorded as not federally insured. Ask the credit union how deposits are insured.
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 9.41%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.
4 locations
Branches
South Bay Credit Union lists 4 offices in 3 cities across 2 states. Most locations:
- Redondo Beach, CA (2)
- Liberty Lake, WA (1)
- Lomita, CA (1)
Identity & history
Profile
- Legal name
- South Bay Credit Union
- Type
- Non-federally insured state credit union
- NCUA charter #
- 95052
- RSSD ID
- 810599
- Primary regulator
- State + NCUA
- Established
- 1953
- Headquarters
- 312 N Pacific Coast Hwy, Redondo Beach, CA 90277
- Employees
- 28
Quick answers
South Bay Credit Union: common questions
Is South Bay Credit Union NCUA insured?
South Bay Credit Union files NCUA call reports but its charter type is recorded as not federally insured. Ask the credit union how deposits are insured.
What is South Bay Credit Union's TellerScore?
59 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 South Bay Credit Union have?
4 offices as of the latest NCUA data, in 2 states.
Nearby
Highest-scoring banks and credit unions with branches near Redondo Beach
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The Bank of New York Mellon Trust Company, National AssociationBank Los Angeles, CA | 100 out of 100, Very strong | $1.4B | 63.5% | 0.00% | vs |
| Long Beach Firemen S Credit UnionCredit union Long Beach, CA | 91 out of 100, Very strong | $201.5M | 29.4% | 0.02% | vs |
| Asian Pacific National BankBank San Gabriel, CA | 89 out of 100, Very strong | $56.9M | 20.1% | 0.00% | vs |
| Malaga Bank F.S.B.Bank Palos Verdes Peninsula, CA | 88 out of 100, Very strong | $1.4B | 16.8% | 0.00% | vs |
| American Plus Bank, N.A.Bank Arcadia, CA | 88 out of 100, Very strong | $935.0M | 16.5% | 0.04% | vs |
| Hana Bank USA, National AssociationBank Fort Lee, NJ | 88 out of 100, Very strong | $835.2M | 25.4% | 0.00% | vs |