TellerScore

Tucoemas Federal Credit Union is a federal credit union headquartered in Visalia, California, in business for about 78 years. At the end of Q2 2026 it reported $332.0M in total assets and $298.5M in member shares and deposits, with 5 offices.

Tucoemas Federal Credit Union has a TellerScore of 74 out of 100 (strong) based on Q2 2026 data — higher than 63% of its 1,341 credit unions with $100 million – $1 billion. Among 238 credit unions headquartered in California, it ranks 93rd. Funding & liquidity contributes the most (100/100, 50% loans-to-deposits, 4% uninsured); capital cushion contributes the least (53/100, 10.34%).

TellerScore · Q2 2026

Scorecard

Capital cushion53/100
Net worth ratio: 10.34%
Loan quality58/100
Loans 60+ days delinquent ÷ total loans: 1.25%
Earnings98/100
Return on assets (annualized): 1.96%
Funding & liquidity100/100
Loans ÷ shares: 49.7% · 4.3% uninsured
Problem-loan coverage87/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 6.65%

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 8 points (66 → 74), mostly because the earnings component improved by 50 points.

TellerScore
526374Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202452
Q3 202461
Q4 202467
Q1 202573
Q2 202566
Q3 202564
Q4 202552
Q1 202666
Q2 202674
Net worth ratio
7.00%8.82%10.64%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNet worth ratio
Q2 20249.45%
Q3 20249.15%
Q4 202410.64%
Q1 202510.42%
Q2 202510.46%
Q3 20259.99%
Q4 20259.19%
Q1 20269.39%
Q2 202610.34%
Delinquent loans (60+ days)
0.50%1.17%1.84%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterDelinquent loans (60+ days)
Q2 20241.84%
Q3 20240.93%
Q4 20240.88%
Q1 20250.50%
Q2 20251.07%
Q3 20250.91%
Q4 20251.15%
Q1 20260.64%
Q2 20261.25%
Return on assets
-0.45%0.75%1.96%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20240.34%
Q3 20240.50%
Q4 20240.61%
Q1 20251.03%
Q2 20250.70%
Q3 20250.43%
Q4 2025-0.45%
Q1 20260.67%
Q2 20261.96%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202674$332.0M10.34%1.25%1.96%49.7%
Q1 202666$336.9M9.39%0.64%0.67%49.3%
Q4 202552$338.2M9.19%1.15%-0.45%51.7%
Q3 202564$337.5M9.99%0.91%0.43%52.1%
Q2 202566$322.6M10.46%1.07%0.70%52.6%
Q1 202573$321.0M10.42%0.50%1.03%51.5%
Q4 202467$306.3M10.64%0.88%0.61%54.7%
Q3 202461$350.6M9.15%0.93%0.50%55.3%
Q2 202452$331.1M9.45%1.84%0.34%57.8%

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 ratio10.34%
34th
Problem loans1.25%
20th
Net charge-offs2.51%
1st
Return on assets1.96%
97th
Loans to deposits49.7%
90th
Uninsured deposits4.3%
68th
Loan-loss reserves0.00%
50th
Texas ratio6.6%
27th

Similar-size credit unions in California

InstitutionScoreAssetsCapitalProblem loansCompare
Families and Schools Together Federal Credit UnionCredit union Hanford, CA92 out of 100, Very strong$329.6M20.0%0.37%vs
Sag-Aftra Federal Credit UnionCredit union Burbank, CA81 out of 100, Strong$335.6M13.1%0.63%vs
Downey Federal Credit UnionCredit union Downey, CA59 out of 100, Moderate$327.9M8.8%0.52%vs
Ume Federal Credit UnionCredit union Burbank, CA74 out of 100, Strong$327.9M9.9%0.54%vs
Strata Federal Credit UnionCredit union Bakersfield, CA78 out of 100, Strong$344.5M14.2%0.23%vs
Santa Barbara Teachers Federal Credit UnionCredit union Santa Barbara, CA88 out of 100, Very strong$308.5M13.8%0.01%vs

Deposit insurance

Is my money safe at Tucoemas Federal Credit Union?

Yes. Tucoemas Federal Credit Union is a federally insured credit union (NCUA charter #5718). 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 4.3% of shares and deposits ($12.9M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 10.34%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

5 locations

Branches

Tucoemas Federal Credit Union lists 5 offices in 3 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Tucoemas Federal Credit Union
Type
Federal credit union
NCUA charter #
5718
RSSD ID
814672
Primary regulator
NCUA
Established
1948
Headquarters
Po Box 5011, Visalia, CA 93278
Employees
83

Quick answers

Tucoemas Federal Credit Union: common questions

Is Tucoemas Federal Credit Union NCUA insured?

Yes. Tucoemas Federal Credit Union is a federally insured credit union (NCUA charter #5718). 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 Tucoemas Federal Credit Union's TellerScore?

74 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 Tucoemas Federal Credit Union have?

5 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Visalia

InstitutionScoreAssetsCapitalProblem loansCompare
Educational Employees Credit UnionCredit union Fresno, CA96 out of 100, Very strong$5.4B14.6%0.20%vs
Families and Schools Together Federal Credit UnionCredit union Hanford, CA92 out of 100, Very strong$329.6M20.0%0.37%vs
Kings Federal Credit UnionCredit union Hanford, CA86 out of 100, Very strong$162.5M16.0%0.64%vs
Mission BankBank Bakersfield, CA80 out of 100, Strong$2.0B12.2%0.02%vs
Westamerica BankBank San Rafael, CA78 out of 100, Strong$5.8B10.3%0.12%vs
Bank of the SierraBank Porterville, CA77 out of 100, Strong$3.7B12.2%0.43%vs