RANKING ·
Highest net interest margin in California
150 of 239 credit unions in California that filed for the quarter ended June 30, 2026 are ranked. At least $100 million in total assets. Institutions with equal values share a rank. Source: NCUA Call Report data.
| Rank | Institution | Headquarters | Net interest margin on average assets | Total assets |
|---|---|---|---|---|
| 1 | Merco Credit Union | Merced, CA | 5.47% | $207 million |
| 2 | Eagle Community Credit Union | Lake Forest, CA | 5.45% | $409 million |
| 3 | Siskiyou Credit Union | Yreka, CA | 5.40% | $144 million |
| 4 | Corazo Credit Union | El Centro, CA | 5.11% | $244 million |
| 5 | Tucoemas Federal Credit Union | Visalia, CA | 4.97% | $332 million |
| 6 | Strata Federal Credit Union | Bakersfield, CA | 4.92% | $345 million |
| 7 | Santa Cruz Community Credit Union | Santa Cruz, CA | 4.73% | $172 million |
| 8 | Farmers Insurance Federal Credit Union | Los Angeles, CA | 4.67% | $1.3 billion |
| 9 | Families and Schools Together Federal Credit Union | Hanford, CA | 4.54% | $330 million |
| 10 | Mocse Federal Credit Union | Modesto, CA | 4.49% | $426 million |
| 11 | Popa Federal Credit Union | Cerritos, CA | 4.40% | $405 million |
| 12 | Rancho Federal Credit Union | Downey, CA | 4.35% | $109 million |
| 13 | Arrowhead Federal Credit Union | Rancho Cucamong, CA | 4.19% | $2.9 billion |
| 14 | Priority One Credit Union | South Pasadena, CA | 4.16% | $206 million |
| 15 | Uncle Credit Union | Livermore, CA | 4.11% | $716 million |
| 16 | E-Central Credit Union | Pasadena, CA | 4.11% | $174 million |
| 17 | Yolo Federal Credit Union | Woodland, CA | 4.10% | $412 million |
| 18 | Commonwealth Central Credit Union | San Jose, CA | 4.09% | $625 million |
| 19 | Cabrillo Credit Union | San Diego, CA | 4.07% | $574 million |
| 20 | First California Federal Credit Union | Fresno, CA | 4.01% | $110 million |
| 21 | First Technology Federal Credit Union | San Jose, CA | 4.01% | $27.9 billion |
| 22 | Community First Credit Union | Santa Rosa, CA | 4.01% | $921 million |
| 23 | Certified Federal Credit Union | El Monte, CA | 4.01% | $925 million |
| 24 | Sun Community Federal Credit Union | El Centro, CA | 3.99% | $896 million |
| 25 | Altura Federal Credit Union | Riverside, CA | 3.98% | $2.6 billion |
| 26 | Sesloc Credit Union | San Luis Obispo, CA | 3.97% | $1.3 billion |
| 27 | Glendale Federal Credit Union | Glendale, CA | 3.95% | $103 million |
| 28 | Sag-Aftra Federal Credit Union | Burbank, CA | 3.94% | $336 million |
| 29 | Mirastar Federal Credit Union | San Jose, CA | 3.89% | $1.0 billion |
| 30 | Ventura County Credit Union | Ventura, CA | 3.89% | $1.5 billion |
| 31 | Los Angeles Federal Credit Union | Glendale, CA | 3.89% | $1.3 billion |
| 32 | Safe 1 Credit Union | Bakersfield, CA | 3.88% | $1.2 billion |
| 33 | Cahp Credit Union | Sacramento, CA | 3.88% | $407 million |
| 34 | Camino Federal Credit Union | Montebello, CA | 3.86% | $179 million |
| 35 | Alta Vista Credit Union | Redlands, CA | 3.86% | $209 million |
| 36 | Pasadena Federal Credit Union | Monrovia, CA | 3.80% | $375 million |
| 37 | Excite Credit Union | San Jose, CA | 3.80% | $614 million |
| 38 | United Local Credit Union | Fresno, CA | 3.79% | $119 million |
| 39 | Smw 104 Federal Credit Union | Livermore, CA | 3.79% | $118 million |
| 40 | Valley First Federal Credit Union | Modesto, CA | 3.77% | $1.1 billion |
| 41 | La Loma Federal Credit Union | Loma Linda, CA | 3.75% | $117 million |
| 42 | Wheelhouse Credit Union | San Diego, CA | 3.73% | $460 million |
| 43 | Pacific Service Credit Union | Concord, CA | 3.73% | $1.3 billion |
| 44 | Edwards Federal Credit Union | Edwards, CA | 3.71% | $277 million |
| 45 | Valley Strong Credit Union | Bakersfield, CA | 3.71% | $4.1 billion |
| 46 | Nuvision Federal Credit Union | Huntington Beac, CA | 3.69% | $4.0 billion |
| 47 | I.L.W.U. Federal Credit Union | Long Beach, CA | 3.67% | $608 million |
| 48 | Rize Federal Credit Union | El Monte, CA | 3.66% | $1.3 billion |
| 49 | Usc Credit Union | Los Angeles, CA | 3.65% | $741 million |
| 50 | Coasthills Federal Credit Union | Santa Maria, CA | 3.65% | $1.8 billion |
| 51 | Partners Federal Credit Union | Burbank, CA | 3.63% | $2.8 billion |
| 52 | Vida Federal Credit Union | Ontario, CA | 3.62% | $175 million |
| 53 | South Bay Credit Union | Redondo Beach, CA | 3.61% | $161 million |
| 54 | Thinkwise Federal Credit Union | San Bernardino, CA | 3.61% | $123 million |
| 55 | Monterey Credit Union | Monterey, CA | 3.58% | $361 million |
| 56 | Adelfi Credit Union | San Dimas, CA | 3.56% | $1.4 billion |
| 57 | Redwood Credit Union | Santa Rosa, CA | 3.56% | $10.7 billion |
| 58 | Operating Engineers Local Union #3 Federal Credit Union | Livermore, CA | 3.55% | $1.7 billion |
| 59 | Noble Federal Credit Union | Fresno, CA | 3.54% | $1.5 billion |
| 60 | Altaone Federal Credit Union | Ridgecrest, CA | 3.54% | $967 million |
| 61 | Water and Power Community Credit Union | Los Angeles, CA | 3.54% | $1.0 billion |
| 62 | Sierra Central Credit Union | Yuba City, CA | 3.52% | $1.5 billion |
| 63 | 1st United Credit Union | Pleasanton, CA | 3.51% | $1.3 billion |
| 64 | Schools Federal Credit Union | Torrance, CA | 3.50% | $196 million |
| 65 | Premier One Credit Union | San Jose, CA | 3.47% | $656 million |
| 66 | Mission City Federal Credit Union | Santa Clara, CA | 3.46% | $172 million |
| 67 | Kings Federal Credit Union | Hanford, CA | 3.46% | $162 million |
| 68 | Tulare County Federal Credit Union | Tulare, CA | 3.42% | $167 million |
| 69 | Mypoint Credit Union | San Diego, CA | 3.42% | $705 million |
| 70 | Honda Federal Credit Union | Torrance, CA | 3.40% | $1.2 billion |
| 71 | University Credit Union | Los Angeles, CA | 3.40% | $1.2 billion |
| 72 | Ume Federal Credit Union | Burbank, CA | 3.38% | $328 million |
| 73 | First City Credit Union | Pasadena, CA | 3.37% | $949 million |
| 74 | Kaiperm Federal Credit Union | Walnut Creek, CA | 3.37% | $108 million |
| 75 | F3 Credit Union | San Jose, CA | 3.34% | $237 million |
| 76 | Torrance Community Federal Credit Union | Torrance, CA | 3.33% | $163 million |
| 77 | Bay Federal Credit Union | Capitola, CA | 3.33% | $1.9 billion |
| 78 | Interfaith Federal Credit Union | Montclair, CA | 3.33% | $135 million |
| 79 | Monterra Credit Union | Redwood City, CA | 3.33% | $1.9 billion |
| 80 | Merced School Employees Federal Credit Union | Merced, CA | 3.32% | $899 million |
| 81 | The First Financial Federal Credit Union | Pasadena, CA | 3.32% | $748 million |
| 82 | Educational Employees Credit Union | Fresno, CA | 3.31% | $5.4 billion |
| 83 | Los Angeles Police Federal Credit Union | Van Nuys, CA | 3.29% | $1.4 billion |
| 84 | California Coast Credit Union | San Diego, CA | 3.29% | $3.5 billion |
| 85 | Orange County'S Federal Credit Union | Santa Ana, CA | 3.28% | $3.1 billion |
| 86 | Heritage Community Credit Union | Rancho Cordova, CA | 3.28% | $283 million |
| 87 | Travis Credit Union | Vacaville, CA | 3.28% | $5.9 billion |
| 88 | Central State Credit Union | Stockton, CA | 3.21% | $258 million |
| 89 | Frontwave Credit Union | Oceanside, CA | 3.21% | $1.7 billion |
| 90 | The Golden 1 Credit Union | Sacramento, CA | 3.19% | $22.2 billion |
| 91 | East County Schools Federal Credit Union | El Cajon, CA | 3.18% | $147 million |
| 92 | Southland Credit Union | Los Alamitos, CA | 3.17% | $1.3 billion |
| 93 | Santa Ana Federal Credit Union | Santa Ana, CA | 3.14% | $112 million |
| 94 | San Francisco Fire Credit Union | San Francisco, CA | 3.14% | $1.6 billion |
| 95 | First U.S. Community Credit Union | Sacramento, CA | 3.14% | $548 million |
| 96 | Matadors Community Credit Union | Northridge, CA | 3.12% | $356 million |
| 97 | The Police Credit Union | San Bruno, CA | 3.11% | $1.0 billion |
| 98 | Blupeak Credit Union | San Diego, CA | 3.10% | $1.1 billion |
| 99 | San Francisco Federal Credit Union | San Francisco, CA | 3.09% | $1.6 billion |
| 100 | Northrop Grumman Federal Credit Union | Gardena, CA | 3.06% | $1.6 billion |
Rankings sort one published measure; they are not an overall judgment of any institution. Methodology · All rankings