San Mateo City Employees Federal Credit Union San Mateo, California
San Mateo City Employees Federal Credit Union is a federal credit union headquartered in San Mateo, CA, established in 1949 (NCUA charter 6326), and it is regulated and insured by the NCUA. At Q2 2026 it reported 1,035 members and total assets of $31.8M (down 8.4% from Q2 2025), the 204th largest of 238 credit unions headquartered in California. Its net worth ratio was 18.36% at Q2 2026, in the well capitalized band.
Also written as San Mateo City Employees 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
- 6326
- Headquarters
- San Mateo, CA
- Established
- 1949
- Total assets, Q2 2026
- $31.8M
- Assets vs Q2 2025
- -8.4%
- Members, Q2 2026
- 1,035
- Net worth ratio, Q2 2026
- 18.36%
- Latest call report
- Q2 2026, NCUA 5300 · San Mateo City Employees Federal Credit Union call report
- Asset rank in state
- 204th of 238 in California
- Routing number
- 321177256
- Branches
- 3
It has 33 fewer members than on June 30, 2025 (-3.1%). Its net worth ratio was up 1.65 percentage points from 16.71% on June 30, 2025. Other unsecured loans and lines of credit are its largest loan category, $2.2M of $4.7M in total loans on its June 30, 2026 filing.
Credit unions similar in size in California
Frequently asked about San Mateo City Employees Federal Credit Union
How big is San Mateo City Employees Federal Credit Union?
At Q2 2026 it reported total assets of $31.8M and 1,035 members.
Where is San Mateo City Employees Federal Credit Union headquartered?
It is headquartered in San Mateo, CA, United States.
When was San Mateo City Employees Federal Credit Union founded?
It was established in 1949, per NCUA records.
Is San Mateo City Employees Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 6326): 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 San Mateo City Employees Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is San Mateo City Employees Federal Credit Union well capitalized?
Its net worth ratio was 18.36% 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 San Mateo City Employees Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 18.20% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- San Mateo, CA 94403
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1949
- NCUA Charter #
- 6326
- RSSD ID
- 10885
- Members
- 1,035
- Potential members
- 1,500
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 2,479 credit unions with under $100M in assets, as of Q2 2026. It is in the top quartile on 1 of 6 ranked measures and in the bottom quartile on 2.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 18.36% | 14.31% | 70th above |
| Return on assets Middle half of peers: 0.16% to 1.30% | 0.49% | 0.72% | 40th below |
| Return on equity Middle half of peers: 1.04% to 8.69% | 2.66% | 4.74% | 36th below |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 1.70% | 3.93% | under 10th bottom |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 66.73% | 79.83% | 77th top |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 1.92% | 0.78% | under 10th bottom |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | not on file | 0.86% | not on file |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 3.62% | 4.70% | under 10th position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 18.20% | 58.92% | under 10th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$31.8M total assets against $34.8M; $25.9M total shares and deposits against $28.9M; $4.7M total loans against $5.4M.
$5.8M net worth against $5.8M.
18.36% net worth ratio against 16.71%.
18.20% loan-to-share ratio against 18.77%.
0.49% return on assets against -0.40%; 2.66% return on equity against -2.41%.
1.70% net interest margin against 1.28%.
1,035 members against 1,068.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 18.36% | 0.49% | — | 18.20% |
| March 31, 2026 | 17.46% | 0.19% | 0.72% | 18.12% |
| December 31, 2025 | 18.27% | 0.35% | 1.09% | 19.62% |
| September 30, 2025 | 17.70% | 1.03% | 3.96% | 19.47% |
| June 30, 2025 | 16.71% | -0.40% | 3.64% | 18.77% |
| March 31, 2025 | 15.70% | 0.14% | 7.24% | 18.13% |
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.