TellerScore

Yolo Federal Credit Union is a federal credit union headquartered in Woodland, California, in business for about 72 years. At the end of Q2 2026 it reported $412.4M in total assets and $340.5M in member shares and deposits, with 5 offices.

Yolo 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 81st. Problem-loan coverage contributes the most (90/100, 5.0%); earnings contributes the least (69/100, 1.22%).

TellerScore · Q2 2026

Scorecard

Capital cushion80/100
Net worth ratio: 12.97%
Loan quality74/100
Loans 60+ days delinquent ÷ total loans: 0.78%
Earnings69/100
Return on assets (annualized): 1.22%
Funding & liquidity71/100
Loans ÷ shares: 89.7% · 4.7% uninsured
Problem-loan coverage90/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 5.02%

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 3 points (73 → 76), mostly because the earnings component improved by 24 points.

TellerScore
707376Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202470
Q3 202471
Q4 202471
Q1 202572
Q2 202573
Q3 202570
Q4 202572
Q1 202670
Q2 202676
Net worth ratio
7.00%9.98%12.97%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202411.21%
Q3 202411.87%
Q4 202412.35%
Q1 202512.17%
Q2 202512.39%
Q3 202512.20%
Q4 202512.53%
Q1 202612.50%
Q2 202612.97%
Delinquent loans (60+ days)
0.52%0.67%0.83%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.67%
Q3 20240.68%
Q4 20240.83%
Q1 20250.62%
Q2 20250.52%
Q3 20250.68%
Q4 20250.60%
Q1 20260.61%
Q2 20260.78%
Return on assets
0.41%0.81%1.22%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.66%
Q3 20240.68%
Q4 20240.54%
Q1 20250.48%
Q2 20250.62%
Q3 20250.57%
Q4 20250.58%
Q1 20260.41%
Q2 20261.22%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202676$412.4M12.97%0.78%1.22%89.7%
Q1 202670$411.0M12.50%0.61%0.41%88.0%
Q4 202572$406.7M12.53%0.60%0.58%85.9%
Q3 202570$414.7M12.20%0.68%0.57%83.4%
Q2 202573$404.0M12.39%0.52%0.62%80.5%
Q1 202572$405.2M12.17%0.62%0.48%71.7%
Q4 202471$394.9M12.35%0.83%0.54%73.2%
Q3 202471$412.4M11.87%0.68%0.68%75.3%
Q2 202470$430.5M11.21%0.67%0.66%72.4%

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 ratio12.97%
69th
Problem loans0.78%
43rd
Net charge-offs0.11%
84th
Return on assets1.22%
79th
Loans to deposits89.7%
18th
Uninsured deposits4.7%
63rd
Loan-loss reserves0.00%
50th
Texas ratio5.0%
39th

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Deposit insurance

Is my money safe at Yolo Federal Credit Union?

Yes. Yolo Federal Credit Union is a federally insured credit union (NCUA charter #9293). 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 4.7% of shares and deposits ($16.2M) 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 12.97%, well 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

Yolo Federal Credit Union lists 5 offices in 4 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Yolo Federal Credit Union reported 96 home-loan applications under HMDA (LEI 254900EHOJ91PS23E696): 51 originated ($7,615,000 total), 36 denied, and 9 withdrawn or closed by the applicant. Its denial rate on decided applications was 41.4%, 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
Yolo Federal Credit Union
Type
Federal credit union
NCUA charter #
9293
RSSD ID
286680
Primary regulator
NCUA
Established
1954
Headquarters
PO Box 657, Woodland, CA 95776
Employees
75

Quick answers

Yolo Federal Credit Union: common questions

Is Yolo Federal Credit Union NCUA insured?

Yes. Yolo Federal Credit Union is a federally insured credit union (NCUA charter #9293). 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 Yolo 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.

How many branches does Yolo Federal Credit Union have?

5 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Woodland

InstitutionScoreAssetsCapitalProblem loansCompare
Sacramento Credit UnionCredit union Sacramento, CA96 out of 100, Very strong$858.3M15.1%0.09%vs
Bank of StocktonBank Stockton, CA94 out of 100, Very strong$5.0B19.9%0.08%vs
Operating Engineers Local Union #3 Federal Credit UnionCredit union Livermore, CA92 out of 100, Very strong$1.7B15.5%0.60%vs
SoFi Bank, National AssociationBank Cottonwood Heights, UT88 out of 100, Very strong$56.8B13.3%0.08%vs
Farmers & Merchants Bank of Central CaliforniaBank Lodi, CA79 out of 100, Strong$5.8B11.7%0.13%vs
Westamerica BankBank San Rafael, CA78 out of 100, Strong$5.8B10.3%0.12%vs