Credit Union Safety Analysis
Is Financial Partners Credit Union Safe? Downey, California
Based on its Q2 2026 NCUA 5300 call report, Financial Partners Credit Union has a net worth ratio of 9.50%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.70%, 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, Financial Partners Credit Union's net worth ratio is 9.50%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 9.50%
- Delinquency ratio (60+ days) (Q2 2026): 0.70%
- Return on assets (Q2 2026): 0.94%
- Loan-to-share ratio (Q2 2026): 90.02%
Financial Partners Credit Union (NCUA charter 68457, established 1937) reported $2.19B in assets and 93,298 members for Q2 2026 from Downey, California. It ranks 33 of 238 credit unions in California by total assets. Total assets fell 3.0% from $2.26B on June 30, 2025. It has 31 fewer members than on June 30, 2025. Its net worth ratio was up 0.76 percentage points from 8.74% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $1.04B of $1.58B in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.70% is above 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: 9.03% for Q1 2026; 8.74% 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: 0.82% for Q1 2026; 0.24% 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: 0.75% for Q1 2026; 0.10% 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: 92.02% for Q1 2026; 97.90% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $1.04B
- Commercial loans: $303.9M
- Used vehicle loans: $89.4M
- Unsecured credit card loans: $67.5M
- New vehicle loans: $63.0M
- Other unsecured loans and lines of credit: $11.0M
- Other secured non-real estate loans and lines of credit: $8.2M
- Non-federally guaranteed student loans: $603K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $2.19B | 9.50% | 0.70% | 0.94% | 90.02% |
| March 31, 2026 | $2.25B | 9.03% | 0.82% | 0.75% | 92.02% |
| December 31, 2025 | $2.24B | 8.88% | 0.67% | 0.40% | 94.28% |
| September 30, 2025 | $2.22B | 9.02% | 0.26% | 0.49% | 94.52% |
| June 30, 2025 | $2.26B | 8.74% | 0.24% | 0.10% | 97.90% |
| March 31, 2025 | $2.27B | 8.67% | 0.31% | 0.08% | 90.13% |
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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.
Financial Partners Credit Union profile
Regulator records: NCUA credit union profile (charter 68457) · FFIEC NIC profile (RSSD 1013379)
Frequently asked questions
Is Financial Partners Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Financial Partners Credit Union's net worth ratio is 9.50%, above the 7% NCUA threshold for well capitalized.
Is Financial Partners Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Financial Partners Credit Union is a federally insured credit union (NCUA charter 68457): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Financial Partners Credit Union's key safety ratios?
For Q2 2026, Financial Partners Credit Union reports net worth 9.50%, delinquency 0.70%, ROA 0.94%, loan-to-share 90.02%.
What happens to my money if Financial Partners Credit Union fails?
For Q2 2026, Financial Partners Credit Union held $1.76B in shares and deposits for 93,298 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.