Union Yes Federal Credit Union Orange, California
Union Yes Federal Credit Union is a federal credit union headquartered in Orange, CA, established in 1981 (NCUA charter 24131), and it is regulated and insured by the NCUA. At Q2 2026 it reported 24,595 members and total assets of $89.0M (up 11.0% from Q2 2025), the 156th largest of 238 credit unions headquartered in California. Its net worth ratio was 8.62% at Q2 2026, in the well capitalized band.
Also written as Union Yes 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
- 24131
- Headquarters
- Orange, CA
- Established
- 1981
- Total assets, Q2 2026
- $89.0M
- Assets vs Q2 2025
- +11.0%
- Members, Q2 2026
- 24,595
- Net worth ratio, Q2 2026
- 8.62%
- Latest call report
- Q2 2026, NCUA 5300 · Union Yes Federal Credit Union call report
- Asset rank in state
- 156th of 238 in California
- Routing number
- 322285024
- Branches
- 1
It has 743 more members than on June 30, 2025 (+3.1%). Its net worth ratio was up 0.22 percentage points from 8.40% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $17.6M of $39.0M in total loans on its June 30, 2026 filing.
Credit unions similar in size in California
Frequently asked about Union Yes Federal Credit Union
How big is Union Yes Federal Credit Union?
At Q2 2026 it reported total assets of $89.0M and 24,595 members.
Where is Union Yes Federal Credit Union headquartered?
It is headquartered in Orange, CA, United States.
When was Union Yes Federal Credit Union founded?
It was established in 1981, per NCUA records.
Is Union Yes Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 24131): 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 Union Yes Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Union Yes Federal Credit Union well capitalized?
Its net worth ratio was 8.62% 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 Union Yes Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 48.69% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Orange, CA 92868
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1981
- NCUA Charter #
- 24131
- RSSD ID
- 757199
- Members
- 24,595
- Potential members
- 172,165
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 4 of 6 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: 11.14% to 19.38% | 8.62% | 14.31% | under 10th bottom |
| Return on assets Middle half of peers: 0.16% to 1.30% | 1.69% | 0.72% | 85th top |
| Return on equity Middle half of peers: 1.04% to 8.69% | 19.57% | 4.74% | over 90th top |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 4.17% | 3.93% | 60th above |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 67.28% | 79.83% | 76th top |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 0.27% | 0.78% | 82nd top |
| 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% | 4.44% | 4.70% | 37th position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 48.69% | 58.92% | 35th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$89.0M total assets against $80.2M; $80.0M total shares and deposits against $72.2M; $39.0M total loans against $41.9M.
$7.7M net worth against $6.7M.
8.62% net worth ratio against 8.40%.
48.69% loan-to-share ratio against 57.98%.
1.69% return on assets against 1.93%; 19.57% return on equity against 22.98%.
4.17% net interest margin against 4.62%.
24,595 members against 23,852.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 8.62% | 1.69% | — | 48.69% |
| March 31, 2026 | 8.33% | 0.65% | 0.09% | 45.03% |
| December 31, 2025 | 8.70% | 1.61% | — | 54.28% |
| September 30, 2025 | 8.15% | 1.16% | 0.03% | 48.45% |
| June 30, 2025 | 8.40% | 1.93% | 0.08% | 57.98% |
| March 31, 2025 | 7.87% | 1.03% | 0.03% | 50.37% |
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.