S A F E Credit Union Folsom, California
S A F E Credit Union is a state-chartered credit union headquartered in Folsom, CA, established in 1940 (NCUA charter 68366), and it is regulated and insured by the NCUA. At Q2 2026 it reported 245,942 members and total assets of $4.42B (up 0.4% from Q2 2025), the 18th largest of 238 credit unions headquartered in California. Its net worth ratio was 10.82% at Q2 2026, in the well capitalized band.
Also written as SAFE CU
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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
- 68366
- Headquarters
- Folsom, CA
- Established
- 1940
- Total assets, Q2 2026
- $4.42B
- Assets vs Q2 2025
- +0.4%
- Members, Q2 2026
- 245,942
- Net worth ratio, Q2 2026
- 10.82%
- Latest call report
- Q2 2026, NCUA 5300 · S A F E Credit Union call report
- Asset rank in state
- 18th of 238 in California
- Routing number
- 321173742
- Branches
- 19
It has 2,197 more members than on June 30, 2025 (+0.9%). Its net worth ratio was up 0.67 percentage points from 10.15% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $1.79B of $3.15B in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.52% is below the 0.68% median of the 454 credit unions with $1B to $10B in assets for Q2 2026. Its 10.82% net worth ratio is below that band's 10.89% median.
Credit unions similar in size in California
Frequently asked about S A F E Credit Union
How big is S A F E Credit Union?
At Q2 2026 it reported total assets of $4.42B and 245,942 members.
Where is S A F E Credit Union headquartered?
It is headquartered in Folsom, CA, United States.
When was S A F E Credit Union founded?
It was established in 1940, per NCUA records.
Is S A F E Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 68366): 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 S A F E 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 S A F E Credit Union well capitalized?
Its net worth ratio was 10.82% 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 S A F E Credit Union's delinquency ratio?
Its delinquency ratio was 0.52% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is S A F E Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 79.94% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Folsom, CA 95630
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1940
- NCUA Charter #
- 68366
- RSSD ID
- 324779
- Members
- 245,942
- Potential members
- 7,103,641
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 1 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% | 10.82% | 10.89% | 48th below |
| Return on assets Middle half of peers: 0.59% to 1.25% | 1.01% | 0.89% | 58th above |
| Return on equity Middle half of peers: 5.37% to 10.92% | 9.29% | 8.07% | 61st above |
| Net interest margin Middle half of peers: 3.05% to 3.80% | 3.01% | 3.45% | 24th bottom |
| Efficiency ratio Middle half of peers: 63.16% to 77.23% | 72.74% | 70.59% | 42nd below |
| Cost of funds Middle half of peers: 1.37% to 1.99% | 1.23% | 1.68% | 83rd top |
| Delinquency ratio Middle half of peers: 0.45% to 1.05% | 0.52% | 0.68% | 67th above |
| Yield on assets Middle half of peers: 4.70% to 5.46% | 4.24% | 5.12% | under 10th position only |
| Loan-to-share ratio Middle half of peers: 78.23% to 95.19% | 79.94% | 88.03% | 29th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$4.42B total assets against $4.40B; $3.94B total shares and deposits against $3.97B; $3.15B total loans against $3.07B.
$477.9M net worth against $446.6M.
10.82% net worth ratio against 10.15%.
79.94% loan-to-share ratio against 77.33%.
0.52% delinquency ratio against 0.49%.
1.01% return on assets against 0.79%; 9.29% return on equity against 7.81%.
3.01% net interest margin against 2.58%.
245,942 members against 243,745.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 10.82% | 1.01% | 0.52% | 79.94% |
| March 31, 2026 | 10.49% | 0.93% | 0.42% | 79.87% |
| December 31, 2025 | 10.37% | 0.65% | 0.54% | 79.84% |
| September 30, 2025 | 10.33% | 0.56% | 0.42% | 78.40% |
| June 30, 2025 | 10.15% | 0.79% | 0.49% | 77.33% |
| March 31, 2025 | 9.86% | 0.58% | 0.30% | 76.74% |
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.