TellerScore

Wheelhouse Credit Union is a federally insured state-chartered credit union headquartered in San Diego, California, in business for about 92 years. At the end of Q2 2026 it reported $459.7M in total assets and $409.8M in member shares and deposits, with 5 offices.

Based on its Q2 2026 filing, Wheelhouse Credit Union scores 69/100, which we describe as moderate. That is higher than only 48% of 1,341 credit unions with $100 million – $1 billion. Among 238 credit unions headquartered in California, it ranks 124th. Its strongest component is problem-loan coverage (97/100; 1.3%), and its lowest is capital cushion (37/100; 8.73%).

TellerScore · Q2 2026

Scorecard

Capital cushion37/100
Net worth ratio: 8.73%
Loan quality96/100
Loans 60+ days delinquent ÷ total loans: 0.13%
Earnings72/100
Return on assets (annualized): 1.29%
Funding & liquidity67/100
Loans ÷ shares: 93.1% · 9.3% uninsured
Problem-loan coverage97/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.32%

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 10 points (59 → 69), mostly because the earnings component improved by 42 points.

TellerScore
556269Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202455
Q3 202456
Q4 202457
Q1 202559
Q2 202559
Q3 202560
Q4 202565
Q1 202662
Q2 202669
Net worth ratio
7.00%7.87%8.73%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20247.36%
Q3 20247.38%
Q4 20247.54%
Q1 20257.79%
Q2 20257.98%
Q3 20258.02%
Q4 20258.39%
Q1 20268.28%
Q2 20268.73%
Delinquent loans (60+ days)
0.03%0.08%0.13%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.04%
Q3 20240.03%
Q4 20240.08%
Q1 20250.06%
Q2 20250.08%
Q3 20250.04%
Q4 20250.03%
Q1 20260.04%
Q2 20260.13%
Return on assets
-0.08%0.61%1.29%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 2024-0.08%
Q3 2024-0.03%
Q4 20240.13%
Q1 20250.21%
Q2 20250.26%
Q3 20250.22%
Q4 20250.72%
Q1 20260.33%
Q2 20261.29%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202669$459.7M8.73%0.13%1.29%93.1%
Q1 202662$456.8M8.28%0.04%0.33%91.2%
Q4 202565$448.1M8.39%0.03%0.72%94.1%
Q3 202560$425.0M8.02%0.04%0.22%91.6%
Q2 202559$420.1M7.98%0.08%0.26%91.3%
Q1 202559$427.9M7.79%0.06%0.21%88.8%
Q4 202457$441.6M7.54%0.08%0.13%90.6%
Q3 202456$438.5M7.38%0.03%-0.03%92.3%
Q2 202455$439.5M7.36%0.04%-0.08%93.3%

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 ratio8.73%
10th
Problem loans0.13%
93rd
Net charge-offs0.16%
76th
Return on assets1.29%
82nd
Loans to deposits93.1%
11th
Uninsured deposits9.3%
20th
Loan-loss reserves0.00%
50th
Texas ratio1.3%
85th

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Mocse Federal Credit UnionCredit union Modesto, CA74 out of 100, Strong$425.5M11.1%0.85%vs
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Yolo Federal Credit UnionCredit union Woodland, CA76 out of 100, Strong$412.4M13.0%0.78%vs
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Deposit insurance

Is my money safe at Wheelhouse Credit Union?

Yes. Wheelhouse Credit Union is a federally insured credit union (NCUA charter #61003). 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 9.3% of shares and deposits ($38.3M) 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 8.73%, slightly 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

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

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Wheelhouse Credit Union reported 224 home-loan applications under HMDA (LEI 549300H83ZXQ4TDSXI83): 143 originated ($24,445,000 total), 15 denied, and 60 withdrawn or closed by the applicant. Its denial rate on decided applications was 9.1%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Wheelhouse Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
61003
RSSD ID
393298
Primary regulator
State + NCUA
Established
1934
Headquarters
Po Box 719099, San Diego, CA 92171
Employees
89

Quick answers

Wheelhouse Credit Union: common questions

Is Wheelhouse Credit Union NCUA insured?

Yes. Wheelhouse Credit Union is a federally insured credit union (NCUA charter #61003). 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 Wheelhouse Credit Union's TellerScore?

69 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 Wheelhouse Credit Union have?

5 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near San Diego

InstitutionScoreAssetsCapitalProblem loansCompare
Certified Federal Credit UnionCredit union El Monte, CA88 out of 100, Very strong$925.3M20.7%0.37%vs
San Diego County Credit UnionCredit union San Diego, CA86 out of 100, Very strong$9.5B19.8%0.20%vs
California Coast Credit UnionCredit union San Diego, CA85 out of 100, Very strong$3.5B13.9%0.26%vs
Home Bank of CaliforniaBank San Diego, CA84 out of 100, Strong$255.4M12.3%0.00%vs
Sag-Aftra Federal Credit UnionCredit union Burbank, CA81 out of 100, Strong$335.6M13.1%0.63%vs
Mission Federal Credit UnionCredit union San Diego, CA81 out of 100, Strong$7.3B12.3%0.15%vs