Union Yes Federal Credit Union is a federal credit union headquartered in Orange, California, in business for about 45 years. At the end of Q2 2026 it reported $89.0M in total assets and $80.0M in member shares and deposits, with 1 office.
Union Yes Federal Credit Union has a TellerScore of 74 out of 100 (strong) based on Q2 2026 data — higher than only 49% of its 2,479 credit unions with under $100 million in assets. Among 238 credit unions headquartered in California, it ranks 97th. Loan quality contributes the most (100/100, 0.00%); capital cushion contributes the least (36/100, 8.62%).
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 (76 → 74), mostly because the earnings component weakened by 14 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 72 |
| Q3 2024 | 69 |
| Q4 2024 | 74 |
| Q1 2025 | 71 |
| Q2 2025 | 76 |
| Q3 2025 | 73 |
| Q4 2025 | 77 |
| Q1 2026 | 68 |
| Q2 2026 | 74 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 7.73% |
| Q3 2024 | 7.26% |
| Q4 2024 | 8.39% |
| Q1 2025 | 7.87% |
| Q2 2025 | 8.40% |
| Q3 2025 | 8.15% |
| Q4 2025 | 8.70% |
| Q1 2026 | 8.33% |
| Q2 2026 | 8.62% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.02% |
| Q3 2024 | 0.11% |
| Q4 2024 | 0.02% |
| Q1 2025 | 0.03% |
| Q2 2025 | 0.08% |
| Q3 2025 | 0.03% |
| Q4 2025 | 0.00% |
| Q1 2026 | 0.09% |
| Q2 2026 | 0.00% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.37% |
| Q3 2024 | 1.14% |
| Q4 2024 | 1.37% |
| Q1 2025 | 1.03% |
| Q2 2025 | 1.55% |
| Q3 2025 | 1.26% |
| Q4 2025 | 1.48% |
| Q1 2026 | 0.65% |
| Q2 2026 | 1.20% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 74 | $89.0M | 8.62% | 0.00% | 1.20% | 48.7% |
| Q1 2026 | 68 | $96.9M | 8.33% | 0.09% | 0.65% | 45.0% |
| Q4 2025 | 77 | $83.3M | 8.70% | 0.00% | 1.48% | 54.3% |
| Q3 2025 | 73 | $94.8M | 8.15% | 0.03% | 1.26% | 48.4% |
| Q2 2025 | 76 | $80.2M | 8.40% | 0.08% | 1.55% | 58.0% |
| Q1 2025 | 71 | $90.8M | 7.87% | 0.03% | 1.03% | 50.4% |
| Q4 2024 | 74 | $73.5M | 8.39% | 0.02% | 1.37% | 64.2% |
| Q3 2024 | 69 | $86.2M | 7.26% | 0.11% | 1.14% | 53.2% |
| Q2 2024 | 72 | $74.7M | 7.73% | 0.02% | 1.37% | 63.5% |
2,479 peers · Under $100 million in assets
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 |
|---|---|---|---|---|---|
| Desert Valleys Federal Credit UnionCredit union Ridgecrest, CA | 67 out of 100, Moderate | $88.8M | 9.4% | 0.73% | vs |
| County Schools Federal Credit UnionCredit union Ventura, CA | 34 out of 100, Low | $91.0M | 8.5% | 3.52% | vs |
| Vision One Credit UnionCredit union Sacramento, CA | 78 out of 100, Strong | $92.0M | 16.1% | 0.21% | vs |
| Upward Credit UnionCredit union Burlingame, CA | 68 out of 100, Moderate | $92.7M | 11.4% | 1.15% | vs |
| McKesson & Healthcare Providers Federal Credit UnionCredit union Martinez, CA | 65 out of 100, Moderate | $92.8M | 13.4% | 1.47% | vs |
| Calcom Federal Credit UnionCredit union Long Beach, CA | 82 out of 100, Strong | $83.9M | 16.3% | 0.42% | vs |
Deposit insurance
Is my money safe at Union Yes Federal Credit Union?
Yes. Union Yes Federal Credit Union is a federally insured credit union (NCUA charter #24131). 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 14.1% of shares and deposits ($11.3M) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.
The net worth ratio is 8.62%, slightly above the 7% level regulators use as the "well capitalized" benchmark for this measure.
1 location
Branches
Union Yes Federal Credit Union lists 1 office in 1 city. Most locations:
- Orange, CA (1)
Identity & history
Profile
- Legal name
- Union Yes Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 24131
- RSSD ID
- 757199
- Primary regulator
- NCUA
- Established
- 1981
- Headquarters
- P O Box 1849, Orange, CA 92856
- Employees
- 14
Quick answers
Union Yes Federal Credit Union: common questions
Is Union Yes Federal Credit Union NCUA insured?
Yes. Union Yes Federal Credit Union is a federally insured credit union (NCUA charter #24131). 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 Union Yes 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 Union Yes Federal Credit Union have?
1 office as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Orange
| 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 |
| Capital Bank and Trust CompanyBank Irvine, CA | 94 out of 100, Very strong | $266.1M | 79.3% | 0.00% | vs |
| Operating Engineers Local Union #3 Federal Credit UnionCredit union Livermore, CA | 92 out of 100, Very strong | $1.7B | 15.5% | 0.60% | vs |
| Long Beach Firemen S Credit UnionCredit union Long Beach, CA | 91 out of 100, Very strong | $201.5M | 29.4% | 0.02% | vs |
| Santa Ana Federal Credit UnionCredit union Santa Ana, CA | 90 out of 100, Very strong | $111.6M | 13.5% | 0.06% | vs |
| California International Bank, N.A.Bank Westminster, CA | 89 out of 100, Very strong | $120.9M | 13.5% | 0.00% | vs |