Tulare County Federal Credit Union Tulare, California
Tulare County Federal Credit Union is a federal credit union headquartered in Tulare, CA, established in 1939 (NCUA charter 3218), and it is regulated and insured by the NCUA. At Q2 2026 it reported 11,423 members and total assets of $166.6M (up 16.6% from Q2 2025), the 131st largest of 238 credit unions headquartered in California. Its net worth ratio was 6.91% at Q2 2026, in the adequately capitalized band.
Also written as Tulare County FCU
BankRegReports is independent of Tulare County Federal Credit Union and never asks for online banking logins or passwords.
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
- 3218
- Headquarters
- Tulare, CA
- Established
- 1939
- Total assets, Q2 2026
- $166.6M
- Assets vs Q2 2025
- +16.6%
- Members, Q2 2026
- 11,423
- Net worth ratio, Q2 2026
- 6.91%
- Latest call report
- Q2 2026, NCUA 5300 · Tulare County Federal Credit Union call report
- Asset rank in state
- 131st of 238 in California
- Routing number
- 321178158
- Branches
- 5
It has 689 more members than on June 30, 2025 (+6.4%). Its net worth ratio was down 0.46 percentage points from 7.37% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $51.2M of $125.2M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.74% is above the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026. Its 6.91% net worth ratio is below that band's 11.43% median.
Credit unions similar in size in California
Frequently asked about Tulare County Federal Credit Union
How big is Tulare County Federal Credit Union?
At Q2 2026 it reported total assets of $166.6M and 11,423 members.
Where is Tulare County Federal Credit Union headquartered?
It is headquartered in Tulare, CA, United States.
When was Tulare County Federal Credit Union founded?
It was established in 1939, per NCUA records.
Is Tulare County Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 3218): 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 Tulare County Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Tulare County Federal Credit Union well capitalized?
Its net worth ratio was 6.91% at Q2 2026, in the adequately capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Tulare County Federal Credit Union's delinquency ratio?
Its delinquency ratio was 0.74% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Tulare County Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 87.02% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Tulare, CA 93274
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1939
- NCUA Charter #
- 3218
- RSSD ID
- 613875
- Members
- 11,423
- Potential members
- 473,117
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 1,341 credit unions with $100M to $1B in assets, as of Q2 2026. It is in the top quartile on 0 of 7 ranked measures and in the bottom quartile on 4.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 13.58% | 6.91% | 11.43% | under 10th bottom |
| Return on assets Middle half of peers: 0.43% to 1.23% | -0.06% | 0.81% | under 10th bottom |
| Return on equity Middle half of peers: 3.87% to 9.84% | -0.87% | 7.02% | under 10th bottom |
| Net interest margin Middle half of peers: 3.30% to 4.10% | 3.31% | 3.70% | 26th below |
| Efficiency ratio Middle half of peers: 68.90% to 83.49% | 92.42% | 76.55% | under 10th bottom |
| Cost of funds Middle half of peers: 0.92% to 1.56% | 1.12% | 1.24% | 59th above |
| Delinquency ratio Middle half of peers: 0.39% to 1.12% | 0.74% | 0.68% | 47th below |
| Yield on assets Middle half of peers: 4.53% to 5.37% | 4.43% | 4.92% | 21st position only |
| Loan-to-share ratio Middle half of peers: 62.05% to 86.41% | 87.02% | 75.66% | 76th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$166.6M total assets against $142.8M; $143.9M total shares and deposits against $128.9M; $125.2M total loans against $104.4M.
$10.7M net worth against $10.2M.
6.91% net worth ratio against 7.37%.
87.02% loan-to-share ratio against 81.00%.
0.74% delinquency ratio against 0.45%.
-0.06% return on assets against -0.22%; -0.87% return on equity against -3.07%.
3.31% net interest margin against 3.67%.
11,423 members against 10,734.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 6.91% | -0.06% | 0.74% | 87.02% |
| March 31, 2026 | 7.25% | 0.29% | 0.69% | 80.77% |
| December 31, 2025 | 7.38% | 0.93% | 0.64% | 77.27% |
| September 30, 2025 | 7.32% | 0.49% | 0.42% | 77.41% |
| June 30, 2025 | 7.37% | -0.22% | 0.45% | 81.00% |
| March 31, 2025 | 7.64% | 0.33% | 0.29% | 81.27% |
Scroll sideways to see every column.
Watch flags
The net worth ratio is between 6% and 7%, adequately capitalized but below the 7% level NCUA considers well capitalized. Worth monitoring, not yet a PCA trigger. NCUA well-capitalized threshold, 12 CFR 702.102.
The credit union posted negative net income relative to assets in its latest filing. Credit unions build net worth only through retained earnings, so sustained losses gradually weaken capital. BankRegReports flag, negative earnings.
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.