I.L.W.U. Federal Credit Union Long Beach, California
I.L.W.U. Federal Credit Union is a federal credit union headquartered in Long Beach, CA, established in 1972 (NCUA charter 24916), and it is regulated and insured by the NCUA. At Q2 2026 it reported 30,417 members and total assets of $607.5M (up 16.5% from Q2 2025), the 86th largest of 238 credit unions headquartered in California. Its net worth ratio was 9.94% at Q2 2026, in the well capitalized band.
Also written as ILWU FCU · Trade name filed with the NCUA: ILWU Credit Union
BankRegReports is independent of I.L.W.U. Federal Credit Union and never asks for online banking logins or passwords.
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
- 24916
- Headquarters
- Long Beach, CA
- Established
- 1972
- Total assets, Q2 2026
- $607.5M
- Assets vs Q2 2025
- +16.5%
- Members, Q2 2026
- 30,417
- Net worth ratio, Q2 2026
- 9.94%
- Latest call report
- Q2 2026, NCUA 5300 · I.L.W.U. Federal Credit Union call report
- Asset rank in state
- 86th of 238 in California
- Routing number
- 322283893
- Branches
- 7
It has 2,367 more members than on June 30, 2025 (+8.4%). Its net worth ratio was up 0.53 percentage points from 9.41% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $206.8M of $407.5M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.89% is above the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026. Its 9.94% net worth ratio is below that band's 11.43% median.
Credit unions merged into I.L.W.U. Federal Credit Union
Portland Local No. 8 Federal Credit Union (2025) · Ilwu-FSC Federal Credit Union (2016)
Frequently asked about I.L.W.U. Federal Credit Union
How big is I.L.W.U. Federal Credit Union?
At Q2 2026 it reported total assets of $607.5M and 30,417 members.
Where is I.L.W.U. Federal Credit Union headquartered?
It is headquartered in Long Beach, CA, United States.
When was I.L.W.U. Federal Credit Union founded?
It was established in 1972, per NCUA records.
Is I.L.W.U. Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 24916): 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 I.L.W.U. Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is I.L.W.U. Federal Credit Union well capitalized?
Its net worth ratio was 9.94% 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 I.L.W.U. Federal Credit Union's delinquency ratio?
Its delinquency ratio was 0.89% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is I.L.W.U. Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 74.07% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Long Beach, CA 90807
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1972
- NCUA Charter #
- 24916
- RSSD ID
- 1875157
- Members
- 30,417
- Potential members
- 105,722
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 1,341 credit unions with $100M to $1B in assets, as of Q2 2026. It is in the top quartile on 2 of 7 ranked measures.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 13.58% | 9.94% | 11.43% | 27th below |
| Return on assets Middle half of peers: 0.43% to 1.23% | 1.27% | 0.81% | 76th top |
| Return on equity Middle half of peers: 3.87% to 9.84% | 13.27% | 7.02% | over 90th top |
| Net interest margin Middle half of peers: 3.30% to 4.10% | 3.65% | 3.70% | 47th below |
| Efficiency ratio Middle half of peers: 68.90% to 83.49% | 72.07% | 76.55% | 65th above |
| Cost of funds Middle half of peers: 0.92% to 1.56% | 1.48% | 1.24% | 31st below |
| Delinquency ratio Middle half of peers: 0.39% to 1.12% | 0.89% | 0.68% | 38th below |
| Yield on assets Middle half of peers: 4.53% to 5.37% | 5.13% | 4.92% | 62nd position only |
| Loan-to-share ratio Middle half of peers: 62.05% to 86.41% | 74.07% | 75.66% | 47th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$607.5M total assets against $521.5M; $550.2M total shares and deposits against $474.2M; $407.5M total loans against $365.2M.
$58.1M net worth against $48.4M.
9.94% net worth ratio against 9.41%.
74.07% loan-to-share ratio against 77.01%.
0.89% delinquency ratio against 0.95%.
1.27% return on assets against 1.16%; 13.27% return on equity against 12.48%.
3.65% net interest margin against 3.62%.
30,417 members against 28,050.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 9.94% | 1.27% | 0.89% | 74.07% |
| March 31, 2026 | 9.98% | 1.07% | 0.49% | 72.64% |
| December 31, 2025 | 10.07% | 1.16% | 0.60% | 78.21% |
| September 30, 2025 | 10.12% | 1.04% | 0.62% | 78.97% |
| June 30, 2025 | 9.41% | 1.16% | 0.95% | 77.01% |
| March 31, 2025 | 9.22% | 1.24% | 0.68% | 77.43% |
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.