Credit Union Safety Analysis
Is S R I Federal Credit Union Safe? Menlo Park, California
Based on its Q2 2026 NCUA 5300 call report, S R I Federal Credit Union has a net worth ratio of 12.74%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.17%, 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 R I Federal Credit Union's net worth ratio is 12.74%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 12.74%
- Delinquency ratio (60+ days) (Q2 2026): 0.17%
- Return on assets (Q2 2026): 0.90%
- Loan-to-share ratio (Q2 2026): 95.24%
S R I Federal Credit Union (NCUA charter 11872, established 1957) reported $236.2M in assets and 5,025 members for Q2 2026 from Menlo Park, California. It ranks 115 of 238 credit unions in California by total assets. Total assets fell 0.5% from $237.5M on June 30, 2025. It has 76 fewer members than on June 30, 2025 (-1.5%). Its net worth ratio was up 0.92 percentage points from 11.82% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $173.4M of $188.6M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.17% is below the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 1,341 credit unions with $100M to $1B in assets: 11.43%; middle half of peers: 9.81% to 13.58%.
Earlier filings: 12.21% for Q1 2026; 11.82% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.68%; middle half of peers: 0.39% to 1.12%.
Earlier filings: 0.29% for Q1 2026; 0.77% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.81%; middle half of peers: 0.43% to 1.23%.
Earlier filings: 0.80% for Q1 2026; 0.85% for Q2 2025.
Median of the 1,341 credit unions with $100M to $1B in assets: 75.66%; middle half of peers: 62.05% to 86.41%.
Earlier filings: 94.57% for Q1 2026; 94.16% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $173.4M
- Used vehicle loans: $4.3M
- New vehicle loans: $4.1M
- Unsecured credit card loans: $3.3M
- Other unsecured loans and lines of credit: $1.8M
- Non-federally guaranteed student loans: $1.1M
- Other secured non-real estate loans and lines of credit: $700K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $236.2M | 12.74% | 0.17% | 0.90% | 95.24% |
| March 31, 2026 | $242.1M | 12.21% | 0.29% | 0.80% | 94.57% |
| December 31, 2025 | $236.5M | 12.35% | 0.34% | 0.97% | 92.61% |
| September 30, 2025 | $238.0M | 12.03% | 0.34% | 0.94% | 91.20% |
| June 30, 2025 | $237.5M | 11.82% | 0.77% | 0.85% | 94.16% |
| March 31, 2025 | $238.1M | 11.58% | 0.17% | 1.05% | 89.36% |
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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.
S R I Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 11872) · FFIEC NIC profile (RSSD 702386)
Frequently asked questions
Is S R I Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, S R I Federal Credit Union's net worth ratio is 12.74%, above the 7% NCUA threshold for well capitalized.
Is S R I Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. S R I Federal Credit Union is a federally insured credit union (NCUA charter 11872): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are S R I Federal Credit Union's key safety ratios?
For Q2 2026, S R I Federal Credit Union reports net worth 12.74%, delinquency 0.17%, ROA 0.90%, loan-to-share 95.24%.
What happens to my money if S R I Federal Credit Union fails?
For Q2 2026, S R I Federal Credit Union held $198.0M in shares and deposits for 5,025 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.