Credit Union Safety Analysis
Is Chevron Federal Credit Union Safe? Concord, California
Based on its Q2 2026 NCUA 5300 call report, Chevron Federal Credit Union has a net worth ratio of 12.38%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.38%, 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, Chevron Federal Credit Union's net worth ratio is 12.38%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 12.38%
- Delinquency ratio (60+ days) (Q2 2026): 0.38%
- Return on assets (Q2 2026): 2.72%
- Loan-to-share ratio (Q2 2026): 87.79%
Chevron Federal Credit Union (NCUA charter 24326, established 1935) reported $5.36B in assets and 139,374 members for Q2 2026 from Concord, California. It ranks 15 of 238 credit unions in California by total assets. Total assets grew 7.2% from $5.00B on June 30, 2025. It has 981 more members than on June 30, 2025 (+0.7%). Its net worth ratio was down 0.29 percentage points from 12.67% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $3.40B of $4.10B in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.38% is below the 0.68% median of the 454 credit unions with $1B to $10B in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 454 credit unions with $1B to $10B in assets: 10.89%; middle half of peers: 9.81% to 12.63%.
Earlier filings: 11.54% for Q1 2026; 12.67% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.68%; middle half of peers: 0.45% to 1.05%.
Earlier filings: 0.37% for Q1 2026; 0.45% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.89%; middle half of peers: 0.59% to 1.25%.
Earlier filings: 0.55% for Q1 2026; -0.56% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 88.03%; middle half of peers: 78.23% to 95.19%.
Earlier filings: 85.05% for Q1 2026; 91.78% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $3.40B
- Other secured non-real estate loans and lines of credit: $468.4M
- New vehicle loans: $90.5M
- Other unsecured loans and lines of credit: $80.6M
- Used vehicle loans: $67.4M
- Non-federally guaranteed student loans: $2.5M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $5.36B | 12.38% | 0.38% | 2.72% | 87.79% |
| March 31, 2026 | $5.44B | 11.54% | 0.37% | 0.55% | 85.05% |
| December 31, 2025 | $5.10B | 12.16% | 0.36% | -0.04% | 91.86% |
| September 30, 2025 | $5.04B | 12.58% | 0.37% | 0.01% | 92.70% |
| June 30, 2025 | $5.00B | 12.67% | 0.45% | -0.56% | 91.78% |
| March 31, 2025 | $5.10B | 12.57% | 0.33% | -0.82% | 89.70% |
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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.
Chevron Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 24326) · FFIEC NIC profile (RSSD 414894)
Frequently asked questions
Is Chevron Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Chevron Federal Credit Union's net worth ratio is 12.38%, above the 7% NCUA threshold for well capitalized.
Is Chevron Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Chevron Federal Credit Union is a federally insured credit union (NCUA charter 24326): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Chevron Federal Credit Union's key safety ratios?
For Q2 2026, Chevron Federal Credit Union reports net worth 12.38%, delinquency 0.38%, ROA 2.72%, loan-to-share 87.79%.
What happens to my money if Chevron Federal Credit Union fails?
For Q2 2026, Chevron Federal Credit Union held $4.68B in shares and deposits for 139,374 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.