Noble Federal Credit Union Fresno, California
Noble Federal Credit Union is a federal credit union headquartered in Fresno, CA, established in 1941 (NCUA charter 24552), and it is regulated and insured by the NCUA. At Q2 2026 it reported 119,198 members and total assets of $1.51B (up 12.2% from Q2 2025), the 46th largest of 238 credit unions headquartered in California. Its net worth ratio was 9.78% at Q2 2026, in the well capitalized band.
Also written as Noble FCU · Trade name filed with the NCUA: Noble Credit Union
BankRegReports is independent of Noble 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
- 24552
- Headquarters
- Fresno, CA
- Established
- 1941
- Total assets, Q2 2026
- $1.51B
- Assets vs Q2 2025
- +12.2%
- Members, Q2 2026
- 119,198
- Net worth ratio, Q2 2026
- 9.78%
- Latest call report
- Q2 2026, NCUA 5300 · Noble Federal Credit Union call report
- Asset rank in state
- 46th of 238 in California
- Routing number
- 321172510
- Branches
- 10
It has 1,015 more members than on June 30, 2025 (+0.9%). Its net worth ratio was down 0.40 percentage points from 10.18% on June 30, 2025. Used vehicle loans are its largest loan category, $224.9M of $834.0M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.82% is above the 0.68% median of the 454 credit unions with $1B to $10B in assets for Q2 2026. Its 9.78% net worth ratio is below that band's 10.89% median.
Credit unions similar in size in California
Frequently asked about Noble Federal Credit Union
How big is Noble Federal Credit Union?
At Q2 2026 it reported total assets of $1.51B and 119,198 members.
Where is Noble Federal Credit Union headquartered?
It is headquartered in Fresno, CA, United States.
When was Noble Federal Credit Union founded?
It was established in 1941, per NCUA records.
Is Noble Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 24552): 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 Noble Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Noble Federal Credit Union well capitalized?
Its net worth ratio was 9.78% 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 Noble Federal Credit Union's delinquency ratio?
Its delinquency ratio was 0.82% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Noble Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 72.36% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Fresno, CA 93711
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1941
- NCUA Charter #
- 24552
- RSSD ID
- 575290
- Members
- 119,198
- Potential members
- 595,990
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 1.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 12.63% | 9.78% | 10.89% | 24th bottom |
| Return on assets Middle half of peers: 0.59% to 1.25% | 0.95% | 0.89% | 55th above |
| Return on equity Middle half of peers: 5.37% to 10.92% | 9.76% | 8.07% | 65th above |
| Net interest margin Middle half of peers: 3.05% to 3.80% | 3.52% | 3.45% | 55th above |
| Efficiency ratio Middle half of peers: 63.16% to 77.23% | 72.39% | 70.59% | 43rd below |
| Cost of funds Middle half of peers: 1.37% to 1.99% | 1.52% | 1.68% | 63rd above |
| Delinquency ratio Middle half of peers: 0.45% to 1.05% | 0.82% | 0.68% | 41st below |
| Yield on assets Middle half of peers: 4.70% to 5.46% | 5.04% | 5.12% | 45th position only |
| Loan-to-share ratio Middle half of peers: 78.23% to 95.19% | 72.36% | 88.03% | 19th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$1.51B total assets against $1.34B; $1.15B total shares and deposits against $1.10B; $834.0M total loans against $859.4M.
$147.4M net worth against $136.8M.
9.78% net worth ratio against 10.18%.
72.36% loan-to-share ratio against 78.04%.
0.82% delinquency ratio against 0.62%.
0.95% return on assets against 0.58%; 9.76% return on equity against 5.74%.
3.52% net interest margin against 3.49%.
119,198 members against 118,183.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 9.78% | 0.95% | 0.82% | 72.36% |
| March 31, 2026 | 9.62% | 0.69% | 0.71% | 73.69% |
| December 31, 2025 | 10.01% | 0.85% | 0.80% | 74.49% |
| September 30, 2025 | 10.28% | 0.60% | 0.75% | 76.74% |
| June 30, 2025 | 10.18% | 0.58% | 0.62% | 78.04% |
| March 31, 2025 | 10.04% | 0.83% | 0.58% | 78.82% |
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.