Orange County's Federal Credit Union Santa Ana, California
Orange County's Federal Credit Union is a federal credit union headquartered in Santa Ana, CA, established in 1938 (NCUA charter 24981), and it is regulated and insured by the NCUA. At Q2 2026 it reported 145,416 members and total assets of $3.08B, the 26th largest of 238 credit unions headquartered in California. Its net worth ratio was 10.66% at Q2 2026, in the well capitalized band.
Also written as Orange County's FCU
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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
- 24981
- Headquarters
- Santa Ana, CA
- Established
- 1938
- Total assets, Q2 2026
- $3.08B
- Members, Q2 2026
- 145,416
- Net worth ratio, Q2 2026
- 10.66%
- Latest call report
- Q2 2026, NCUA 5300 · Orange County's Federal Credit Union call report
- Asset rank in state
- 26th of 238 in California
- Routing number
- 322281989
- Branches
- 12
1- to 4-family residential and other consumer real estate loans are its largest loan category, $1.12B of $2.42B in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.65% is below the 0.68% median of the 454 credit unions with $1B to $10B in assets for Q2 2026. Its 10.66% net worth ratio is below that band's 10.89% median.
Credit unions similar in size in California
Credit unions merged into Orange County's Federal Credit Union
Frequently asked about Orange County's Federal Credit Union
How big is Orange County's Federal Credit Union?
At Q2 2026 it reported total assets of $3.08B and 145,416 members.
Where is Orange County's Federal Credit Union headquartered?
It is headquartered in Santa Ana, CA, United States.
When was Orange County's Federal Credit Union founded?
It was established in 1938, per NCUA records.
Is Orange County's Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 24981): 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 Orange County's Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Orange County's Federal Credit Union well capitalized?
Its net worth ratio was 10.66% 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 Orange County's Federal Credit Union's delinquency ratio?
Its delinquency ratio was 0.65% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Orange County's Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 94.64% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Santa Ana, CA 92705
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1938
- NCUA Charter #
- 24981
- RSSD ID
- 980698
- Members
- 145,416
- Potential members
- 487,700
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 3 of 7 ranked measures.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 12.63% | 10.66% | 10.89% | 45th below |
| Return on assets Middle half of peers: 0.59% to 1.25% | 1.55% | 0.89% | 87th top |
| Return on equity Middle half of peers: 5.37% to 10.92% | 14.56% | 8.07% | over 90th top |
| Net interest margin Middle half of peers: 3.05% to 3.80% | 3.27% | 3.45% | 39th below |
| Efficiency ratio Middle half of peers: 63.16% to 77.23% | 57.14% | 70.59% | 89th top |
| Cost of funds Middle half of peers: 1.37% to 1.99% | 1.64% | 1.68% | 53rd above |
| Delinquency ratio Middle half of peers: 0.45% to 1.05% | 0.65% | 0.68% | 54th above |
| Yield on assets Middle half of peers: 4.70% to 5.46% | 4.91% | 5.12% | 37th position only |
| Loan-to-share ratio Middle half of peers: 78.23% to 95.19% | 94.64% | 88.03% | 73rd position only |
Quarterly trends
Last 3 quarters of 5300 filings. How these charts are built
$3.08B total assets; $2.55B total shares and deposits; $2.42B total loans.
$328.5M net worth.
10.66% net worth ratio.
94.64% loan-to-share ratio.
0.65% delinquency ratio.
1.55% return on assets; 14.56% return on equity.
3.27% net interest margin.
145,416 members.
Quarterly trend: last 3 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 10.66% | 1.55% | 0.65% | 94.64% |
| March 31, 2026 | 10.29% | 1.08% | 0.53% | 92.62% |
| December 31, 2025 | 10.38% | — | 0.64% | 93.82% |
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.