Credit Union Safety Analysis
Is F & A Federal Credit Union Safe? Monterey Park, California
Based on its Q2 2026 NCUA 5300 call report, F & A Federal Credit Union has a net worth ratio of 12.59%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.36%, 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, F & A Federal Credit Union's net worth ratio is 12.59%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 12.59%
- Delinquency ratio (60+ days) (Q2 2026): 0.36%
- Return on assets (Q2 2026): 1.34%
- Loan-to-share ratio (Q2 2026): 59.60%
F & A Federal Credit Union (NCUA charter 1493, established 1936) reported $3.15B in assets and 44,839 members for Q2 2026 from Monterey Park, California. It ranks 25 of 238 credit unions in California by total assets. Total assets grew 10.0% from $2.87B on June 30, 2025. It has 685 more members than on June 30, 2025 (+1.6%). Its net worth ratio was down 0.25 percentage points from 12.84% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $1.06B of $1.23B in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.36% 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: 12.53% for Q1 2026; 12.84% 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: 0.21% for Q1 2026; 0.21% 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: 0.71% for Q1 2026; 0.64% 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: 59.72% for Q1 2026; 60.03% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $1.06B
- Used vehicle loans: $68.2M
- New vehicle loans: $41.4M
- Unsecured credit card loans: $31.3M
- Other unsecured loans and lines of credit: $21.2M
- Other secured non-real estate loans and lines of credit: $4.4M
- Non-federally guaranteed student loans: $238K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $3.15B | 12.59% | 0.36% | 1.34% | 59.60% |
| March 31, 2026 | $3.06B | 12.53% | 0.21% | 0.71% | 59.72% |
| December 31, 2025 | $2.97B | 12.60% | 0.26% | 0.71% | 60.81% |
| September 30, 2025 | $2.93B | 12.72% | 0.26% | 0.56% | 59.15% |
| June 30, 2025 | $2.87B | 12.84% | 0.21% | 0.64% | 60.03% |
| March 31, 2025 | $2.83B | 12.43% | 0.11% | 0.64% | 58.88% |
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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.
F & A Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 1493) · FFIEC NIC profile (RSSD 304070)
Frequently asked questions
Is F & A Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, F & A Federal Credit Union's net worth ratio is 12.59%, above the 7% NCUA threshold for well capitalized.
Is F & A Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. F & A Federal Credit Union is a federally insured credit union (NCUA charter 1493): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are F & A Federal Credit Union's key safety ratios?
For Q2 2026, F & A Federal Credit Union reports net worth 12.59%, delinquency 0.36%, ROA 1.34%, loan-to-share 59.60%.
What happens to my money if F & A Federal Credit Union fails?
For Q2 2026, F & A Federal Credit Union held $2.06B in shares and deposits for 44,839 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.