Kinecta Federal Credit Union Manhattan Beach, California
Kinecta Federal Credit Union is a federal credit union headquartered in Manhattan Beach, CA, established in 1940 (NCUA charter 4142), and it is regulated and insured by the NCUA. At Q2 2026 it reported 225,848 members and total assets of $6.77B (up 5.1% from Q2 2025), the 10th largest of 238 credit unions headquartered in California. Its net worth ratio was 8.68% at Q2 2026, in the well capitalized band.
Also written as Kinecta FCU · Trade names filed with the NCUA: Kinecta Express, Kinecta, wealth management, Kinecta Financial & Insurance Service and Kinecta Credit Union
BankRegReports is independent of Kinecta 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
- 4142
- Headquarters
- Manhattan Beach, CA
- Established
- 1940
- Total assets, Q2 2026
- $6.77B
- Assets vs Q2 2025
- +5.1%
- Members, Q2 2026
- 225,848
- Net worth ratio, Q2 2026
- 8.68%
- Latest call report
- Q2 2026, NCUA 5300 · Kinecta Federal Credit Union call report
- Asset rank in state
- 10th of 238 in California
- Routing number
- 322278073
- Branches
- 25
It has 13,178 fewer members than on June 30, 2025 (-5.5%). Its net worth ratio was down 0.16 percentage points from 8.84% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $3.68B of $5.35B in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.46% is below the 0.68% median of the 454 credit unions with $1B to $10B in assets for Q2 2026. Its 8.68% net worth ratio is below that band's 10.89% median.
Credit unions merged into Kinecta Federal Credit Union
Xceed Financial Credit Union (2021) · Zion Hill Baptist Church Federal Credit Union (2017)
Frequently asked about Kinecta Federal Credit Union
How big is Kinecta Federal Credit Union?
At Q2 2026 it reported total assets of $6.77B and 225,848 members.
Where is Kinecta Federal Credit Union headquartered?
It is headquartered in Manhattan Beach, CA, United States.
When was Kinecta Federal Credit Union founded?
It was established in 1940, per NCUA records.
Is Kinecta Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 4142): 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 Kinecta Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Kinecta Federal Credit Union well capitalized?
Its net worth ratio was 8.68% 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 Kinecta Federal Credit Union's delinquency ratio?
Its delinquency ratio was 0.46% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Kinecta Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 94.57% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Manhattan Beach, CA 90266
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1940
- NCUA Charter #
- 4142
- RSSD ID
- 277473
- Members
- 225,848
- Potential members
- 15,825,561
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 0 of 7 ranked measures and in the bottom quartile on 5.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 12.63% | 8.68% | 10.89% | under 10th bottom |
| Return on assets Middle half of peers: 0.59% to 1.25% | 0.33% | 0.89% | 13th bottom |
| Return on equity Middle half of peers: 5.37% to 10.92% | 3.85% | 8.07% | 17th bottom |
| Net interest margin Middle half of peers: 3.05% to 3.80% | 2.46% | 3.45% | under 10th bottom |
| Efficiency ratio Middle half of peers: 63.16% to 77.23% | 77.53% | 70.59% | 24th bottom |
| Cost of funds Middle half of peers: 1.37% to 1.99% | 1.90% | 1.68% | 32nd below |
| Delinquency ratio Middle half of peers: 0.45% to 1.05% | 0.46% | 0.68% | 74th above |
| Yield on assets Middle half of peers: 4.70% to 5.46% | 4.36% | 5.12% | under 10th position only |
| Loan-to-share ratio Middle half of peers: 78.23% to 95.19% | 94.57% | 88.03% | 73rd position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$6.77B total assets against $6.44B; $5.65B total shares and deposits against $5.38B; $5.35B total loans against $5.46B.
$588.0M net worth against $570.0M.
8.68% net worth ratio against 8.84%.
94.57% loan-to-share ratio against 101.38%.
0.46% delinquency ratio against 0.37%.
0.33% return on assets against 0.22%; 3.85% return on equity against 2.51%.
2.46% net interest margin against 2.54%.
225,848 members against 239,026.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 8.68% | 0.33% | 0.46% | 94.57% |
| March 31, 2026 | 9.04% | 0.33% | 0.42% | 90.68% |
| December 31, 2025 | 8.85% | 0.27% | 0.42% | 92.89% |
| September 30, 2025 | 8.85% | 0.46% | 0.45% | 95.27% |
| June 30, 2025 | 8.84% | 0.22% | 0.37% | 101.38% |
| March 31, 2025 | 8.62% | 0.39% | 0.40% | 105.73% |
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.