Certified Federal Credit Union El Monte, California
Certified Federal Credit Union is a federal credit union headquartered in El Monte, CA, established in 1954 (NCUA charter 9230), and it is regulated and insured by the NCUA. At Q2 2026 it reported 58,130 members and total assets of $925.3M (up 3.3% from Q2 2025), the 69th largest of 238 credit unions headquartered in California. Its net worth ratio was 20.71% at Q2 2026, in the well capitalized band.
Also written as Certified FCU · Trade names filed with the NCUA: Vons Credit Union and Certified Federal
BankRegReports is independent of Certified Federal Credit Union and never asks for online banking logins or passwords.
Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- Federal credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 9230
- Headquarters
- El Monte, CA
- Established
- 1954
- Total assets, Q2 2026
- $925.3M
- Assets vs Q2 2025
- +3.3%
- Members, Q2 2026
- 58,130
- Net worth ratio, Q2 2026
- 20.71%
- Latest call report
- Q2 2026, NCUA 5300 · Certified Federal Credit Union call report
- Asset rank in state
- 69th of 238 in California
- Routing number
- 322275429
- Branches
- 12
It has 7,883 fewer members than on June 30, 2025 (-11.9%). Its net worth ratio was up 0.51 percentage points from 20.20% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $330.3M of $585.4M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.37% is below the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026. Its 20.71% net worth ratio is above that band's 11.43% median.
Credit unions similar in size in California
Credit unions merged into Certified Federal Credit Union
Prospectors Federal Credit Union (2024) · Auto Club Federal Credit Union (2019) · MWD Federal Credit Union (2018)
Frequently asked about Certified Federal Credit Union
How big is Certified Federal Credit Union?
At Q2 2026 it reported total assets of $925.3M and 58,130 members.
Where is Certified Federal Credit Union headquartered?
It is headquartered in El Monte, CA, United States.
When was Certified Federal Credit Union founded?
It was established in 1954, per NCUA records.
Is Certified Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 9230): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Certified Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Certified Federal Credit Union well capitalized?
Its net worth ratio was 20.71% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Certified Federal Credit Union's delinquency ratio?
Its delinquency ratio was 0.37% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Certified Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 80.86% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- El Monte, CA 91731
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1954
- NCUA Charter #
- 9230
- RSSD ID
- 345886
- Members
- 58,130
- Potential members
- 500,000
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 1,341 credit unions with $100M to $1B in assets, as of Q2 2026. It is in the top quartile on 4 of 7 ranked measures.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 13.58% | 20.71% | 11.43% | over 90th top |
| Return on assets Middle half of peers: 0.43% to 1.23% | 1.24% | 0.81% | 75th top |
| Return on equity Middle half of peers: 3.87% to 9.84% | 6.00% | 7.02% | 42nd below |
| Net interest margin Middle half of peers: 3.30% to 4.10% | 3.98% | 3.70% | 68th above |
| Efficiency ratio Middle half of peers: 68.90% to 83.49% | 66.32% | 76.55% | 80th top |
| Cost of funds Middle half of peers: 0.92% to 1.56% | 1.20% | 1.24% | 53rd above |
| Delinquency ratio Middle half of peers: 0.39% to 1.12% | 0.37% | 0.68% | 76th top |
| Yield on assets Middle half of peers: 4.53% to 5.37% | 5.18% | 4.92% | 64th position only |
| Loan-to-share ratio Middle half of peers: 62.05% to 86.41% | 80.86% | 75.66% | 62nd position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$925.3M total assets against $895.9M; $723.9M total shares and deposits against $704.7M; $585.4M total loans against $566.6M.
$191.6M net worth against $181.2M.
20.71% net worth ratio against 20.20%.
80.86% loan-to-share ratio against 80.40%.
0.37% delinquency ratio against 0.41%.
1.24% return on assets against 1.39%; 6.00% return on equity against 6.89%.
3.98% net interest margin against 3.84%.
58,130 members against 66,013.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 20.71% | 1.24% | 0.37% | 80.86% |
| March 31, 2026 | 20.52% | 1.25% | 0.42% | 79.20% |
| December 31, 2025 | 20.58% | 1.13% | 0.57% | 80.54% |
| September 30, 2025 | 20.49% | 1.39% | 0.51% | 80.73% |
| June 30, 2025 | 20.20% | 1.39% | 0.41% | 80.40% |
| March 31, 2025 | 19.88% | 1.21% | 0.38% | 79.41% |
Scroll sideways to see every column.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.