Fountain Valley Credit Union Fountain Valley, California
Fountain Valley Credit Union is a state-chartered credit union headquartered in Fountain Valley, CA, established in 1967 (NCUA charter 64108), and it is regulated and insured by the NCUA. At Q2 2026 it reported 172 members and total assets of $2.0M (down 4.7% from Q2 2025), the 234th largest of 238 credit unions headquartered in California. Its net worth ratio was 23.01% at Q2 2026, in the well capitalized band.
Also written as Fountain Valley CU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- State-chartered credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 64108
- Headquarters
- Fountain Valley, CA
- Established
- 1967
- Total assets, Q2 2026
- $2.0M
- Assets vs Q2 2025
- -4.7%
- Members, Q2 2026
- 172
- Net worth ratio, Q2 2026
- 23.01%
- Latest call report
- Q2 2026, NCUA 5300 · Fountain Valley Credit Union call report
- Asset rank in state
- 234th of 238 in California
- Routing number
- 322275571
- Branches
- 1
It has 5 fewer members than on June 30, 2025 (-2.8%). Its net worth ratio was up 0.62 percentage points from 22.39% on June 30, 2025. New vehicle loans are its largest loan category, $188K of $554K in total loans on its June 30, 2026 filing.
Credit unions similar in size in California
Frequently asked about Fountain Valley Credit Union
How big is Fountain Valley Credit Union?
At Q2 2026 it reported total assets of $2.0M and 172 members.
Where is Fountain Valley Credit Union headquartered?
It is headquartered in Fountain Valley, CA, United States.
When was Fountain Valley Credit Union founded?
It was established in 1967, per NCUA records.
Is Fountain Valley Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 64108): 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 Fountain Valley Credit Union?
It is a state-chartered credit union, supervised by its state credit union regulator and by the NCUA, which insures its shares.
Is Fountain Valley Credit Union well capitalized?
Its net worth ratio was 23.01% 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 Fountain Valley Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 36.60% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Fountain Valley, CA 92708
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1967
- NCUA Charter #
- 64108
- RSSD ID
- 176893
- Members
- 172
- Potential members
- 344
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 2,479 credit unions with under $100M in assets, as of Q2 2026. It is in the top quartile on 1 of 6 ranked measures and in the bottom quartile on 3.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 23.01% | 14.31% | 83rd top |
| Return on assets Middle half of peers: 0.16% to 1.30% | -0.54% | 0.72% | 13th bottom |
| Return on equity Middle half of peers: 1.04% to 8.69% | -2.33% | 4.74% | 16th bottom |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 3.64% | 3.93% | 38th below |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 132.24% | 79.83% | under 10th bottom |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 0.47% | 0.78% | 69th above |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | not on file | 0.86% | not on file |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 4.11% | 4.70% | 22nd position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 36.60% | 58.92% | 19th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$2.0M total assets against $2.1M; $1.5M total shares and deposits against $1.6M; $554K total loans against $822K.
$454K net worth against $464K.
23.01% net worth ratio against 22.39%.
36.60% loan-to-share ratio against 51.24%.
-0.54% return on assets against -0.16%; -2.33% return on equity against -0.73%.
3.64% net interest margin against 4.43%.
172 members against 177.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 23.01% | -0.54% | — | 36.60% |
| March 31, 2026 | 22.96% | -1.93% | 0.12% | 38.39% |
| December 31, 2025 | 23.35% | -0.65% | 0.11% | 43.08% |
| September 30, 2025 | 23.27% | -0.63% | 2.02% | 46.16% |
| June 30, 2025 | 22.39% | -0.16% | 2.05% | 51.24% |
| March 31, 2025 | 21.14% | 0.22% | 0.10% | 52.23% |
Scroll sideways to see every column.
Watch flags
The credit union posted negative net income relative to assets in its latest filing. Credit unions build net worth only through retained earnings, so sustained losses gradually weaken capital. BankRegReports flag, negative earnings.
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.