Nikkei Credit Union Gardena, California
Nikkei Credit Union is a state-chartered credit union headquartered in Gardena, CA, established in 1951 (NCUA charter 65059), and it is regulated and insured by the NCUA. At Q2 2026 it reported 3,659 members and total assets of $81.5M (up 1.0% from Q2 2025), the 162nd largest of 238 credit unions headquartered in California. Its net worth ratio was 14.23% at Q2 2026, in the well capitalized band.
Also written as Nikkei CU · Trade name filed with the NCUA: Mabuhay Credit Union
BankRegReports is independent of Nikkei Credit Union and never asks for online banking logins or passwords.
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
- 65059
- Headquarters
- Gardena, CA
- Established
- 1951
- Total assets, Q2 2026
- $81.5M
- Assets vs Q2 2025
- +1.0%
- Members, Q2 2026
- 3,659
- Net worth ratio, Q2 2026
- 14.23%
- Latest call report
- Q2 2026, NCUA 5300 · Nikkei Credit Union call report
- Asset rank in state
- 162nd of 238 in California
- Routing number
- 322275791
- Branches
- 2
It has 282 fewer members than on June 30, 2025 (-7.2%). Its net worth ratio was up 0.22 percentage points from 14.01% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $52.4M of $57.4M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 2.69% is above the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026. Its 14.23% net worth ratio is below that band's 14.31% median.
Credit unions similar in size in California
Credit unions merged into Nikkei Credit Union
Daijo Federal Credit Union (2017)
Frequently asked about Nikkei Credit Union
How big is Nikkei Credit Union?
At Q2 2026 it reported total assets of $81.5M and 3,659 members.
Where is Nikkei Credit Union headquartered?
It is headquartered in Gardena, CA, United States.
When was Nikkei Credit Union founded?
It was established in 1951, per NCUA records.
Is Nikkei Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 65059): 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 Nikkei 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 Nikkei Credit Union well capitalized?
Its net worth ratio was 14.23% 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 Nikkei Credit Union's delinquency ratio?
Its delinquency ratio was 2.69% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Nikkei Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 82.55% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Gardena, CA 90248
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1951
- NCUA Charter #
- 65059
- RSSD ID
- 281797
- Members
- 3,659
- Potential members
- 204,846
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 0 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: 11.14% to 19.38% | 14.23% | 14.31% | 49th below |
| Return on assets Middle half of peers: 0.16% to 1.30% | 0.15% | 0.72% | 25th bottom |
| Return on equity Middle half of peers: 1.04% to 8.69% | 1.08% | 4.74% | 25th below |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 3.11% | 3.93% | 20th bottom |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 95.34% | 79.83% | 21st bottom |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 1.11% | 0.78% | 32nd below |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | 2.69% | 0.86% | 19th bottom |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 4.22% | 4.70% | 26th position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 82.55% | 58.92% | 83rd position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$81.5M total assets against $80.7M; $69.6M total shares and deposits against $68.6M; $57.4M total loans against $62.3M.
$11.6M net worth against $11.3M.
14.23% net worth ratio against 14.01%.
82.55% loan-to-share ratio against 90.79%.
2.69% delinquency ratio against 0.11%.
0.15% return on assets against -0.10%; 1.08% return on equity against -0.68%.
3.11% net interest margin against 3.21%.
3,659 members against 3,941.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 14.23% | 0.15% | 2.69% | 82.55% |
| March 31, 2026 | 14.36% | 0.11% | 1.26% | 84.84% |
| December 31, 2025 | 14.40% | 0.50% | 1.22% | 87.01% |
| September 30, 2025 | 14.40% | 0.83% | 0.06% | 90.09% |
| June 30, 2025 | 14.01% | -0.10% | 0.11% | 90.79% |
| March 31, 2025 | 13.78% | 0.23% | 0.98% | 94.67% |
Scroll sideways to see every column.
Watch flags
Loans 60+ days delinquent exceed 2% of the loan book, well above the credit-union industry norm of under 1%. Sustained high delinquency erodes net worth through charge-offs. BankRegReports band vs the <1% industry norm.
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.