Credit Union Safety Analysis
Is Rolling F Credit Union Safe? Turlock, California
Based on its Q2 2026 NCUA 5300 call report, Rolling F Credit Union has a net worth ratio of 11.96%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.80%, 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, Rolling F Credit Union's net worth ratio is 11.96%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 11.96%
- Delinquency ratio (60+ days) (Q2 2026): 0.80%
- Return on assets (Q2 2026): 0.72%
- Loan-to-share ratio (Q2 2026): 59.46%
Rolling F Credit Union (NCUA charter 61128, established 1948) reported $63.9M in assets and 4,752 members for Q2 2026 from Turlock, California. It ranks 177 of 238 credit unions in California by total assets. Total assets grew 1.2% from $63.1M on June 30, 2025. It has 346 fewer members than on June 30, 2025 (-6.8%). Its net worth ratio was up 0.50 percentage points from 11.46% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $14.5M of $33.3M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.80% is below the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 2,479 credit unions with under $100M in assets: 14.31%; middle half of peers: 11.14% to 19.38%.
Earlier filings: 11.45% for Q1 2026; 11.46% for Q2 2025.
Median of the 2,162 credit unions with under $100M in assets: 0.86%; middle half of peers: 0.35% to 1.93%.
Earlier filings: 0.85% for Q1 2026; 0.24% for Q2 2025.
Median of the 2,477 credit unions with under $100M in assets: 0.72%; middle half of peers: 0.16% to 1.30%.
Earlier filings: 1.07% for Q1 2026; 0.25% for Q2 2025.
Median of the 2,470 credit unions with under $100M in assets: 58.92%; middle half of peers: 42.33% to 75.81%.
Earlier filings: 57.12% for Q1 2026; 57.40% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $14.5M
- Used vehicle loans: $9.1M
- New vehicle loans: $3.9M
- Other unsecured loans and lines of credit: $3.2M
- Other secured non-real estate loans and lines of credit: $2.7M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $63.9M | 11.96% | 0.80% | 0.72% | 59.46% |
| March 31, 2026 | $65.9M | 11.45% | 0.85% | 1.07% | 57.12% |
| December 31, 2025 | $64.6M | 11.42% | 0.52% | 0.29% | 55.97% |
| September 30, 2025 | $64.7M | 11.32% | 0.46% | 0.84% | 55.81% |
| June 30, 2025 | $63.1M | 11.46% | 0.24% | 0.25% | 57.40% |
| March 31, 2025 | $64.3M | 11.05% | 0.19% | 1.33% | 56.23% |
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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.
Rolling F Credit Union profile
Regulator records: NCUA credit union profile (charter 61128) · FFIEC NIC profile (RSSD 278498)
Frequently asked questions
Is Rolling F Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Rolling F Credit Union's net worth ratio is 11.96%, above the 7% NCUA threshold for well capitalized.
Is Rolling F Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Rolling F Credit Union is a federally insured credit union (NCUA charter 61128): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Rolling F Credit Union's key safety ratios?
For Q2 2026, Rolling F Credit Union reports net worth 11.96%, delinquency 0.80%, ROA 0.72%, loan-to-share 59.46%.
What happens to my money if Rolling F Credit Union fails?
For Q2 2026, Rolling F Credit Union held $56.1M in shares and deposits for 4,752 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.