Credit Union Safety Analysis
Is America's Christian Credit Union Safe? Glendora, California
Based on its Q2 2026 NCUA 5300 call report, America's Christian Credit Union has a net worth ratio of 8.89%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.58%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, America's Christian Credit Union's net worth ratio is 8.89%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 8.89%
- Delinquency ratio (60+ days) (Q2 2026): 0.58%
- Return on assets (Q2 2026): 0.41%
- Loan-to-share ratio (Q2 2026): 88.73%
America's Christian Credit Union (NCUA charter 68062, established 1973) reported $819.8M in assets and 155,301 members for Q2 2026 from Glendora, California. It ranks 77 of 238 credit unions in California by total assets. Total assets grew 11.6% from $734.9M on June 30, 2025. It has 52,729 more members than on June 30, 2025 (+51.4%). Its net worth ratio was down 0.88 percentage points from 9.77% on June 30, 2025. Commercial loans are its largest loan category, $375.4M of $647.0M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.58% is below the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 1,341 credit unions with $100M to $1B in assets: 11.43%; middle half of peers: 9.81% to 13.58%.
Earlier filings: 9.08% for Q1 2026; 9.77% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.68%; middle half of peers: 0.39% to 1.12%.
Earlier filings: 1.00% for Q1 2026; 0.37% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.81%; middle half of peers: 0.43% to 1.23%.
Earlier filings: 0.53% for Q1 2026; 1.66% for Q2 2025.
Median of the 1,341 credit unions with $100M to $1B in assets: 75.66%; middle half of peers: 62.05% to 86.41%.
Earlier filings: 86.40% for Q1 2026; 92.25% for Q2 2025.
Loans by type, Q2 2026
- Commercial loans: $375.4M
- 1- to 4-family residential and other consumer real estate loans: $105.6M
- Other unsecured loans and lines of credit: $73.5M
- Used vehicle loans: $57.9M
- New vehicle loans: $22.7M
- Non-federally guaranteed student loans: $4.7M
- Unsecured credit card loans: $4.7M
- Other secured non-real estate loans and lines of credit: $2.3M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $819.8M | 8.89% | 0.58% | 0.41% | 88.73% |
| March 31, 2026 | $818.4M | 9.08% | 1.00% | 0.53% | 86.40% |
| December 31, 2025 | $801.7M | 9.31% | 1.60% | 0.57% | 85.78% |
| September 30, 2025 | $770.4M | 9.51% | 0.42% | 0.58% | 86.97% |
| June 30, 2025 | $734.9M | 9.77% | 0.37% | 1.66% | 92.25% |
| March 31, 2025 | $714.3M | 9.61% | 0.32% | 0.37% | 90.17% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
America's Christian Credit Union profile
Regulator records: NCUA credit union profile (charter 68062) · FFIEC NIC profile (RSSD 773386)
Frequently asked questions
Is America's Christian Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, America's Christian Credit Union's net worth ratio is 8.89%, above the 7% NCUA threshold for well capitalized.
Is America's Christian Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. America's Christian Credit Union is a federally insured credit union (NCUA charter 68062): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are America's Christian Credit Union's key safety ratios?
For Q2 2026, America's Christian Credit Union reports net worth 8.89%, delinquency 0.58%, ROA 0.41%, loan-to-share 88.73%.
What happens to my money if America's Christian Credit Union fails?
For Q2 2026, America's Christian Credit Union held $729.1M in shares and deposits for 155,301 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.