Credit Union Safety Analysis
Is Interfaith Federal Credit Union Safe? Montclair, California
Based on its Q2 2026 NCUA 5300 call report, Interfaith Federal Credit Union has a net worth ratio of 11.87%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.34%, 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, Interfaith Federal Credit Union's net worth ratio is 11.87%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 11.87%
- Delinquency ratio (60+ days) (Q2 2026): 0.34%
- Return on assets (Q2 2026): 0.69%
- Loan-to-share ratio (Q2 2026): 61.06%
Interfaith Federal Credit Union (NCUA charter 5816, established 1948) reported $134.8M in assets and 4,774 members for Q2 2026 from Montclair, California. It ranks 138 of 238 credit unions in California by total assets. Total assets grew 1.7% from $132.5M on June 30, 2025. It has 635 fewer members than on June 30, 2025 (-11.7%). Its net worth ratio was up 0.56 percentage points from 11.31% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $43.4M of $72.2M 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 1,338 credit unions with $100M to $1B in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 1,341 credit unions with $100M to $1B in assets: 11.43%; middle half of peers: 9.81% to 13.58%.
Earlier filings: 11.65% for Q1 2026; 11.31% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.68%; middle half of peers: 0.39% to 1.12%.
Earlier filings: 0.61% for Q1 2026; 0.20% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.81%; middle half of peers: 0.43% to 1.23%.
Earlier filings: 0.65% for Q1 2026; 0.79% for Q2 2025.
Median of the 1,341 credit unions with $100M to $1B in assets: 75.66%; middle half of peers: 62.05% to 86.41%.
Earlier filings: 61.45% for Q1 2026; 61.42% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $43.4M
- Commercial loans: $16.3M
- Unsecured credit card loans: $4.8M
- Used vehicle loans: $2.6M
- New vehicle loans: $2.3M
- Other unsecured loans and lines of credit: $2.1M
- Other secured non-real estate loans and lines of credit: $809K
- Non-federally guaranteed student loans: $4K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $134.8M | 11.87% | 0.34% | 0.69% | 61.06% |
| March 31, 2026 | $135.4M | 11.65% | 0.61% | 0.65% | 61.45% |
| December 31, 2025 | $137.6M | 11.30% | 0.62% | 0.53% | 59.85% |
| September 30, 2025 | $132.8M | 11.52% | 0.34% | 1.14% | 60.81% |
| June 30, 2025 | $132.5M | 11.31% | 0.20% | 0.79% | 61.42% |
| March 31, 2025 | $125.2M | 11.76% | 0.47% | 0.60% | 62.92% |
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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.
Interfaith Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 5816) · FFIEC NIC profile (RSSD 827476)
Frequently asked questions
Is Interfaith Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Interfaith Federal Credit Union's net worth ratio is 11.87%, above the 7% NCUA threshold for well capitalized.
Is Interfaith Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Interfaith Federal Credit Union is a federally insured credit union (NCUA charter 5816): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Interfaith Federal Credit Union's key safety ratios?
For Q2 2026, Interfaith Federal Credit Union reports net worth 11.87%, delinquency 0.34%, ROA 0.69%, loan-to-share 61.06%.
What happens to my money if Interfaith Federal Credit Union fails?
For Q2 2026, Interfaith Federal Credit Union held $118.3M in shares and deposits for 4,774 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.