TellerScore

Sri Federal Credit Union (NCUA charter #11872) is based in Menlo Park, California. Its Q2 2026 call report shows $236.2M in total assets and $198.0M in member shares and deposits.

Sri Federal Credit Union has a TellerScore of 76 out of 100 (strong) based on Q2 2026 data — higher than 68% of its 1,341 credit unions with $100 million – $1 billion. Among 238 credit unions headquartered in California, it ranks 82nd. Problem-loan coverage contributes the most (98/100, 1.0%); earnings contributes the least (54/100, 0.86%).

TellerScore · Q2 2026

Scorecard

Capital cushion77/100
Net worth ratio: 12.74%
Loan quality94/100
Loans 60+ days delinquent ÷ total loans: 0.17%
Earnings54/100
Return on assets (annualized): 0.86%
Funding & liquidity57/100
Loans ÷ shares: 95.2% · 22.3% uninsured
Problem-loan coverage98/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.04%

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 7 points (69 → 76), mostly because the loan quality component improved by 20 points.

TellerScore
697376Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202474
Q3 202473
Q4 202473
Q1 202575
Q2 202569
Q3 202574
Q4 202575
Q1 202673
Q2 202676
Net worth ratio
7.00%9.87%12.74%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202411.96%
Q3 202411.90%
Q4 202411.88%
Q1 202511.58%
Q2 202511.82%
Q3 202512.03%
Q4 202512.35%
Q1 202612.21%
Q2 202612.74%
Delinquent loans (60+ days)
0.17%0.47%0.77%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.17%
Q3 20240.17%
Q4 20240.17%
Q1 20250.17%
Q2 20250.77%
Q3 20250.34%
Q4 20250.34%
Q1 20260.29%
Q2 20260.17%
Return on assets
0.69%0.87%1.05%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.70%
Q3 20240.69%
Q4 20240.70%
Q1 20251.05%
Q2 20250.95%
Q3 20250.95%
Q4 20250.96%
Q1 20260.80%
Q2 20260.86%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202676$236.2M12.74%0.17%0.86%95.2%
Q1 202673$242.1M12.21%0.29%0.80%94.6%
Q4 202575$236.5M12.35%0.34%0.96%92.6%
Q3 202574$238.0M12.03%0.34%0.95%91.2%
Q2 202569$237.5M11.82%0.77%0.95%94.2%
Q1 202575$238.1M11.58%0.17%1.05%89.4%
Q4 202473$227.9M11.88%0.17%0.70%92.5%
Q3 202473$223.8M11.90%0.17%0.69%93.7%
Q2 202474$219.3M11.96%0.17%0.70%92.7%

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).

Capital ratio12.74%
67th
Problem loans0.17%
92nd
Net charge-offs0.04%
93rd
Return on assets0.86%
58th
Loans to deposits95.2%
7th
Uninsured deposits22.3%
2nd
Loan-loss reserves0.00%
50th
Texas ratio1.0%
89th

Similar-size credit unions in California

InstitutionScoreAssetsCapitalProblem loansCompare
F3 Credit UnionCredit union San Jose, CA80 out of 100, Strong$236.8M18.5%1.05%vs
Chaffey Federal Credit UnionCredit union Upland, CA59 out of 100, Moderate$230.4M7.7%0.26%vs
Corazo Credit UnionCredit union El Centro, CA59 out of 100, Moderate$243.6M14.0%2.51%vs
Clearpath Federal Credit UnionCredit union Burbank, CA55 out of 100, Moderate$228.6M8.5%0.28%vs
Central State Credit UnionCredit union Stockton, CA65 out of 100, Moderate$258.2M9.0%0.40%vs
Alta Vista Credit UnionCredit union Redlands, CA61 out of 100, Moderate$208.6M8.9%0.51%vs

Deposit insurance

Is my money safe at Sri Federal Credit Union?

Yes. Sri Federal Credit Union is a federally insured credit union (NCUA charter #11872). 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 22.3% of shares and deposits ($44.2M) are above the $250,000 NCUA insurance limit, above the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 12.74%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

Identity & history

Profile

Legal name
Sri Federal Credit Union
Type
Federal credit union
NCUA charter #
11872
RSSD ID
702386
Primary regulator
NCUA
Established
1957
Headquarters
Po Box 2284, Menlo Park, CA 94026
Employees
16

Quick answers

Sri Federal Credit Union: common questions

Is Sri Federal Credit Union NCUA insured?

Yes. Sri Federal Credit Union is a federally insured credit union (NCUA charter #11872). 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 Sri Federal Credit Union's TellerScore?

76 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.