Credit Union Safety Analysis
Is S A F E Credit Union Safe? Folsom, California
Based on its Q2 2026 NCUA 5300 call report, S A F E Credit Union has a net worth ratio of 10.82%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.52%, 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, S A F E Credit Union's net worth ratio is 10.82%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 10.82%
- Delinquency ratio (60+ days) (Q2 2026): 0.52%
- Return on assets (Q2 2026): 1.01%
- Loan-to-share ratio (Q2 2026): 79.94%
S A F E Credit Union (NCUA charter 68366, established 1940) reported $4.42B in assets and 245,942 members for Q2 2026 from Folsom, California. It ranks 18 of 238 credit unions in California by total assets. Total assets grew 0.4% from $4.40B on June 30, 2025. 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.
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: 10.49% for Q1 2026; 10.15% 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: 0.42% for Q1 2026; 0.49% 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: 0.93% for Q1 2026; 0.79% 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: 79.87% for Q1 2026; 77.33% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $1.79B
- Used vehicle loans: $564.4M
- Commercial loans: $376.3M
- New vehicle loans: $279.3M
- Unsecured credit card loans: $107.1M
- Other unsecured loans and lines of credit: $15.1M
- Other secured non-real estate loans and lines of credit: $11.6M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $4.42B | 10.82% | 0.52% | 1.01% | 79.94% |
| March 31, 2026 | $4.45B | 10.49% | 0.42% | 0.93% | 79.87% |
| December 31, 2025 | $4.40B | 10.37% | 0.54% | 0.65% | 79.84% |
| September 30, 2025 | $4.38B | 10.33% | 0.42% | 0.56% | 78.40% |
| June 30, 2025 | $4.40B | 10.15% | 0.49% | 0.79% | 77.33% |
| March 31, 2025 | $4.44B | 9.86% | 0.30% | 0.58% | 76.74% |
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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.
Regulator records: NCUA credit union profile (charter 68366) · FFIEC NIC profile (RSSD 324779)
Frequently asked questions
Is S A F E Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, S A F E Credit Union's net worth ratio is 10.82%, above the 7% NCUA threshold for well capitalized.
Is S A F E Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. S A F E Credit Union is a federally insured credit union (NCUA charter 68366): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are S A F E Credit Union's key safety ratios?
For Q2 2026, S A F E Credit Union reports net worth 10.82%, delinquency 0.52%, ROA 1.01%, loan-to-share 79.94%.
What happens to my money if S A F E Credit Union fails?
For Q2 2026, S A F E Credit Union held $3.94B in shares and deposits for 245,942 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.