Credit Union Safety Analysis
Is El Monte Community Credit Union Safe? El Monte, California
Based on its Q2 2026 NCUA 5300 call report, El Monte Community Credit Union has a net worth ratio of 10.44%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.06%, 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, El Monte Community Credit Union's net worth ratio is 10.44%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 10.44%
- Delinquency ratio (60+ days) (Q2 2026): 0.06%
- Return on assets (Q2 2026): 0.93%
- Loan-to-share ratio (Q2 2026): 59.65%
El Monte Community Credit Union (NCUA charter 95072, established 1956) reported $34.4M in assets and 2,647 members for Q2 2026 from El Monte, California. It ranks 198 of 238 credit unions in California by total assets. Total assets grew 4.5% from $33.0M on June 30, 2025. It has 3 fewer members than on June 30, 2025 (-0.1%). Its net worth ratio was up 0.62 percentage points from 9.82% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $8.2M of $18.1M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.06% is below 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: 10.67% for Q1 2026; 9.82% 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: 0.21% for Q1 2026; 0.12% 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: 0.57% for Q1 2026; 1.25% 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: 59.51% for Q1 2026; 54.93% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $8.2M
- Used vehicle loans: $4.3M
- New vehicle loans: $3.1M
- Other unsecured loans and lines of credit: $956K
- Other secured non-real estate loans and lines of credit: $896K
- Unsecured credit card loans: $486K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $34.4M | 10.44% | 0.06% | 0.93% | 59.65% |
| March 31, 2026 | $33.0M | 10.67% | 0.21% | 0.57% | 59.51% |
| December 31, 2025 | $31.6M | 10.98% | 0.29% | 1.52% | 62.26% |
| September 30, 2025 | $33.1M | 10.12% | 0.18% | 1.44% | 56.99% |
| June 30, 2025 | $33.0M | 9.82% | 0.12% | 1.25% | 54.93% |
| March 31, 2025 | $33.1M | 9.47% | 0.11% | 0.87% | 54.35% |
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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.
El Monte Community Credit Union profile
Regulator records: NCUA credit union profile (charter 95072) · FFIEC NIC profile (RSSD 248996)
Frequently asked questions
Is El Monte Community Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, El Monte Community Credit Union's net worth ratio is 10.44%, above the 7% NCUA threshold for well capitalized.
Is El Monte Community Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. El Monte Community Credit Union is a federally insured credit union (NCUA charter 95072): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are El Monte Community Credit Union's key safety ratios?
For Q2 2026, El Monte Community Credit Union reports net worth 10.44%, delinquency 0.06%, ROA 0.93%, loan-to-share 59.65%.
What happens to my money if El Monte Community Credit Union fails?
For Q2 2026, El Monte Community Credit Union held $30.3M in shares and deposits for 2,647 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.