Credit Union Safety Analysis
Is Noble Federal Credit Union Safe? Fresno, California
Based on its Q2 2026 NCUA 5300 call report, Noble Federal Credit Union has a net worth ratio of 9.78%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.82%, 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, Noble Federal Credit Union's net worth ratio is 9.78%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 9.78%
- Delinquency ratio (60+ days) (Q2 2026): 0.82%
- Return on assets (Q2 2026): 0.95%
- Loan-to-share ratio (Q2 2026): 72.36%
Noble Federal Credit Union (NCUA charter 24552, established 1941) reported $1.51B in assets and 119,198 members for Q2 2026 from Fresno, California. It ranks 46 of 238 credit unions in California by total assets. Total assets grew 12.2% from $1.34B on June 30, 2025. 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.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 454 credit unions with $1B to $10B in assets: 10.89%; middle half of peers: 9.81% to 12.63%.
Earlier filings: 9.62% for Q1 2026; 10.18% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.68%; middle half of peers: 0.45% to 1.05%.
Earlier filings: 0.71% for Q1 2026; 0.62% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.89%; middle half of peers: 0.59% to 1.25%.
Earlier filings: 0.69% for Q1 2026; 0.58% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 88.03%; middle half of peers: 78.23% to 95.19%.
Earlier filings: 73.69% for Q1 2026; 78.04% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $224.9M
- 1- to 4-family residential and other consumer real estate loans: $203.5M
- New vehicle loans: $189.6M
- Commercial loans: $95.1M
- Unsecured credit card loans: $59.5M
- Other unsecured loans and lines of credit: $45.4M
- Other secured non-real estate loans and lines of credit: $15.8M
- Non-federally guaranteed student loans: $189K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $1.51B | 9.78% | 0.82% | 0.95% | 72.36% |
| March 31, 2026 | $1.49B | 9.62% | 0.71% | 0.69% | 73.69% |
| December 31, 2025 | $1.41B | 10.01% | 0.80% | 0.85% | 74.49% |
| September 30, 2025 | $1.35B | 10.28% | 0.75% | 0.60% | 76.74% |
| June 30, 2025 | $1.34B | 10.18% | 0.62% | 0.58% | 78.04% |
| March 31, 2025 | $1.34B | 10.04% | 0.58% | 0.83% | 78.82% |
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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.
Noble Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 24552) · FFIEC NIC profile (RSSD 575290)
Frequently asked questions
Is Noble Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Noble Federal Credit Union's net worth ratio is 9.78%, above the 7% NCUA threshold for well capitalized.
Is Noble Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Noble Federal Credit Union is a federally insured credit union (NCUA charter 24552): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Noble Federal Credit Union's key safety ratios?
For Q2 2026, Noble Federal Credit Union reports net worth 9.78%, delinquency 0.82%, ROA 0.95%, loan-to-share 72.36%.
What happens to my money if Noble Federal Credit Union fails?
For Q2 2026, Noble Federal Credit Union held $1.15B in shares and deposits for 119,198 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.