Honda Federal Credit Union Torrance, California
Honda Federal Credit Union is a federal credit union headquartered in Torrance, CA, established in 1966 (NCUA charter 17623), and it is regulated and insured by the NCUA. At Q2 2026 it reported 60,444 members and total assets of $1.20B (up 1.1% from Q2 2025), the 59th largest of 238 credit unions headquartered in California. Its net worth ratio was 9.29% at Q2 2026, in the well capitalized band.
Also written as Honda FCU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- Federal credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 17623
- Headquarters
- Torrance, CA
- Established
- 1966
- Total assets, Q2 2026
- $1.20B
- Assets vs Q2 2025
- +1.1%
- Members, Q2 2026
- 60,444
- Net worth ratio, Q2 2026
- 9.29%
- Latest call report
- Q2 2026, NCUA 5300 · Honda Federal Credit Union call report
- Asset rank in state
- 59th of 238 in California
- Routing number
- 322275746
- Branches
- 13
It has 1,219 fewer members than on June 30, 2025 (-2.0%). Its net worth ratio was up 0.20 percentage points from 9.09% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $564.9M of $931.5M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.34% is below the 0.68% median of the 454 credit unions with $1B to $10B in assets for Q2 2026. Its 9.29% net worth ratio is below that band's 10.89% median.
Frequently asked about Honda Federal Credit Union
How big is Honda Federal Credit Union?
At Q2 2026 it reported total assets of $1.20B and 60,444 members.
Where is Honda Federal Credit Union headquartered?
It is headquartered in Torrance, CA, United States.
When was Honda Federal Credit Union founded?
It was established in 1966, per NCUA records.
Is Honda Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 17623): 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 Honda Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Honda Federal Credit Union well capitalized?
Its net worth ratio was 9.29% 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 Honda Federal Credit Union's delinquency ratio?
Its delinquency ratio was 0.34% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Honda Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 89.98% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Torrance, CA 90502
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1966
- NCUA Charter #
- 17623
- RSSD ID
- 453286
- Members
- 60,444
- Potential members
- 200,000
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 454 credit unions with $1B to $10B in assets, as of Q2 2026. It is in the top quartile on 1 of 7 ranked measures and in the bottom quartile on 4.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 12.63% | 9.29% | 10.89% | 16th bottom |
| Return on assets Middle half of peers: 0.59% to 1.25% | 0.33% | 0.89% | 12th bottom |
| Return on equity Middle half of peers: 5.37% to 10.92% | 3.51% | 8.07% | 15th bottom |
| Net interest margin Middle half of peers: 3.05% to 3.80% | 3.41% | 3.45% | 47th below |
| Efficiency ratio Middle half of peers: 63.16% to 77.23% | 90.65% | 70.59% | under 10th bottom |
| Cost of funds Middle half of peers: 1.37% to 1.99% | 1.51% | 1.68% | 64th above |
| Delinquency ratio Middle half of peers: 0.45% to 1.05% | 0.34% | 0.68% | 86th top |
| Yield on assets Middle half of peers: 4.70% to 5.46% | 4.91% | 5.12% | 37th position only |
| Loan-to-share ratio Middle half of peers: 78.23% to 95.19% | 89.98% | 88.03% | 57th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$1.20B total assets against $1.18B; $1.04B total shares and deposits against $1.03B; $931.5M total loans against $893.2M.
$111.2M net worth against $107.6M.
9.29% net worth ratio against 9.09%.
89.98% loan-to-share ratio against 86.58%.
0.34% delinquency ratio against 0.31%.
0.33% return on assets against 0.30%; 3.51% return on equity against 3.25%.
3.41% net interest margin against 3.29%.
60,444 members against 61,663.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 9.29% | 0.33% | 0.34% | 89.98% |
| March 31, 2026 | 9.15% | 0.51% | 0.34% | 88.17% |
| December 31, 2025 | 9.30% | 0.09% | 0.42% | 90.38% |
| September 30, 2025 | 9.16% | 0.27% | 0.34% | 87.12% |
| June 30, 2025 | 9.09% | 0.30% | 0.31% | 86.58% |
| March 31, 2025 | 8.92% | 1.00% | 0.32% | 85.19% |
Scroll sideways to see every column.
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.