TellerScore

Torrance Community Federal Credit Union is a federal credit union headquartered in Torrance, California, in business for about 68 years. At the end of Q2 2026 it reported $162.9M in total assets and $150.8M in member shares and deposits, with 1 office.

Torrance Community Federal Credit Union has a TellerScore of 73 out of 100 (strong) based on Q2 2026 data — higher than 60% of its 1,341 credit unions with $100 million – $1 billion. Among 238 credit unions headquartered in California, it ranks 103rd. Funding & liquidity contributes the most (100/100, 46% loans-to-deposits, 8% uninsured); earnings contributes the least (43/100, 0.57%).

TellerScore · Q2 2026

Scorecard

Capital cushion52/100
Net worth ratio: 10.15%
Loan quality96/100
Loans 60+ days delinquent ÷ total loans: 0.13%
Earnings43/100
Return on assets (annualized): 0.57%
Funding & liquidity100/100
Loans ÷ shares: 46.4% · 8.5% uninsured
Problem-loan coverage99/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.54%

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 5 points (78 → 73), mostly because the earnings component weakened by 32 points.

TellerScore
647178Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202464
Q3 202469
Q4 202469
Q1 202577
Q2 202578
Q3 202575
Q4 202576
Q1 202674
Q2 202673
Net worth ratio
7.00%8.61%10.21%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20248.85%
Q3 20249.20%
Q4 20249.53%
Q1 20259.62%
Q2 202510.01%
Q3 202510.11%
Q4 202510.00%
Q1 202610.21%
Q2 202610.15%
Delinquent loans (60+ days)
0.06%0.31%0.56%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.56%
Q3 20240.25%
Q4 20240.35%
Q1 20250.14%
Q2 20250.21%
Q3 20250.37%
Q4 20250.10%
Q1 20260.06%
Q2 20260.13%
Return on assets
0.45%0.92%1.39%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.45%
Q3 20240.52%
Q4 20240.66%
Q1 20251.35%
Q2 20251.39%
Q3 20251.15%
Q4 20250.98%
Q1 20260.61%
Q2 20260.57%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202673$162.9M10.15%0.13%0.57%46.4%
Q1 202674$160.0M10.21%0.06%0.61%47.6%
Q4 202576$161.0M10.00%0.10%0.98%45.8%
Q3 202575$157.0M10.11%0.37%1.15%45.0%
Q2 202578$155.9M10.01%0.21%1.39%44.7%
Q1 202577$156.8M9.62%0.14%1.35%44.4%
Q4 202469$152.7M9.53%0.35%0.66%44.5%
Q3 202469$153.8M9.20%0.25%0.52%42.2%
Q2 202464$157.0M8.85%0.56%0.45%39.6%

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 ratio10.15%
31st
Problem loans0.13%
94th
Net charge-offs0.06%
90th
Return on assets0.57%
36th
Loans to deposits46.4%
93rd
Uninsured deposits8.5%
25th
Loan-loss reserves0.00%
50th
Texas ratio0.5%
94th

Similar-size credit unions in California

InstitutionScoreAssetsCapitalProblem loansCompare
Kings Federal Credit UnionCredit union Hanford, CA86 out of 100, Very strong$162.5M16.0%0.64%vs
South Bay Credit UnionCredit union Redondo Beach, CA59 out of 100, Moderate$160.6M9.4%0.48%vs
Tulare County Federal Credit UnionCredit union Tulare, CA48 out of 100, Below average$166.6M6.9%0.74%vs
Mission City Federal Credit UnionCredit union Santa Clara, CA62 out of 100, Moderate$171.7M8.3%0.17%vs
Santa Cruz Community Credit UnionCredit union Santa Cruz, CA57 out of 100, Moderate$172.1M10.6%0.52%vs
San Diego Firefighters Federal Credit UnionCredit union San Diego, CA64 out of 100, Moderate$152.6M7.7%0.26%vs

Deposit insurance

Is my money safe at Torrance Community Federal Credit Union?

Yes. Torrance Community Federal Credit Union is a federally insured credit union (NCUA charter #12543). 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 8.5% of shares and deposits ($12.8M) 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 10.15%, 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

Torrance Community Federal Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Torrance Community Federal Credit Union
Type
Federal credit union
NCUA charter #
12543
RSSD ID
497280
Primary regulator
NCUA
Established
1958
Headquarters
P.O. Box 4327, Torrance, CA 90510
Employees
18

Quick answers

Torrance Community Federal Credit Union: common questions

Is Torrance Community Federal Credit Union NCUA insured?

Yes. Torrance Community Federal Credit Union is a federally insured credit union (NCUA charter #12543). 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 Torrance Community Federal Credit Union's TellerScore?

73 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 Torrance Community Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Torrance

InstitutionScoreAssetsCapitalProblem loansCompare
The Bank of New York Mellon Trust Company, National AssociationBank Los Angeles, CA100 out of 100, Very strong$1.4B63.5%0.00%vs
Long Beach Firemen S Credit UnionCredit union Long Beach, CA91 out of 100, Very strong$201.5M29.4%0.02%vs
Asian Pacific National BankBank San Gabriel, CA89 out of 100, Very strong$56.9M20.1%0.00%vs
California International Bank, N.A.Bank Westminster, CA89 out of 100, Very strong$120.9M13.5%0.00%vs
Malaga Bank F.S.B.Bank Palos Verdes Peninsula, CA88 out of 100, Very strong$1.4B16.8%0.00%vs
American Plus Bank, N.A.Bank Arcadia, CA88 out of 100, Very strong$935.0M16.5%0.04%vs