Credit Union Safety Analysis
Is Atchison Village Credit Union Safe? Richmond, California
Based on its Q2 2026 NCUA 5300 call report, Atchison Village Credit Union has a net worth ratio of 11.27%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 2.01%, 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, Atchison Village Credit Union's net worth ratio is 11.27%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 11.27%
- Delinquency ratio (60+ days) (Q2 2026): 2.01%
- Return on assets (Q2 2026): -2.86%
- Loan-to-share ratio (Q2 2026): 45.93%
Atchison Village Credit Union (NCUA charter 63630, established 1959) reported $13.3M in assets and 1,749 members for Q2 2026 from Richmond, California. It ranks 220 of 238 credit unions in California by total assets. Total assets grew 0.4% from $13.2M on June 30, 2025. It has 48 fewer members than on June 30, 2025 (-2.7%). Its net worth ratio was down 0.95 percentage points from 12.22% on June 30, 2025. Used vehicle loans are its largest loan category, $2.1M of $5.4M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 2.01% is above the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 2,479 credit unions with under $100M in assets: 14.31%; middle half of peers: 11.14% to 19.38%.
Earlier filings: 11.97% for Q1 2026; 12.22% for Q2 2025.
Median of the 2,162 credit unions with under $100M in assets: 0.86%; middle half of peers: 0.35% to 1.93%.
Earlier filings: 4.36% for Q1 2026; 7.02% for Q2 2025.
Median of the 2,477 credit unions with under $100M in assets: 0.72%; middle half of peers: 0.16% to 1.30%.
Earlier filings: -1.00% for Q1 2026; -0.43% for Q2 2025.
Median of the 2,470 credit unions with under $100M in assets: 58.92%; middle half of peers: 42.33% to 75.81%.
Earlier filings: 50.38% for Q1 2026; 55.94% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $2.1M
- Other unsecured loans and lines of credit: $1.7M
- New vehicle loans: $1.6M
- Other secured non-real estate loans and lines of credit: $92K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $13.3M | 11.27% | 2.01% | -2.86% | 45.93% |
| March 31, 2026 | $13.3M | 11.97% | 4.36% | -1.00% | 50.38% |
| December 31, 2025 | $13.2M | 12.31% | 5.85% | -1.93% | 53.84% |
| September 30, 2025 | $13.2M | 13.04% | 5.90% | 3.36% | 53.75% |
| June 30, 2025 | $13.2M | 12.22% | 7.02% | -0.43% | 55.94% |
| March 31, 2025 | $13.2M | 12.34% | 5.16% | 10.36% | 57.02% |
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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.
Atchison Village Credit Union profile
Regulator records: NCUA credit union profile (charter 63630) · FFIEC NIC profile (RSSD 688190)
Frequently asked questions
Is Atchison Village Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Atchison Village Credit Union's net worth ratio is 11.27%, above the 7% NCUA threshold for well capitalized.
Is Atchison Village Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Atchison Village Credit Union is a federally insured credit union (NCUA charter 63630): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Atchison Village Credit Union's key safety ratios?
For Q2 2026, Atchison Village Credit Union reports net worth 11.27%, delinquency 2.01%, ROA -2.86%, loan-to-share 45.93%.
What happens to my money if Atchison Village Credit Union fails?
For Q2 2026, Atchison Village Credit Union held $11.7M in shares and deposits for 1,749 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.