RANKING ·
Lowest efficiency ratio 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 and positive revenue. Institutions with equal values share a rank. Source: NCUA Call Report data.
| Rank | Institution | Headquarters | Efficiency ratio (noninterest expense / revenue) | Total assets |
|---|---|---|---|---|
| 1 | Chevron Federal Credit Union | Concord, CA | 33.9% | $5.4 billion |
| 2 | Long Beach Firemen S Credit Union | Long Beach, CA | 37.3% | $201 million |
| 3 | F & A Federal Credit Union | Monterey Park, CA | 38.2% | $3.2 billion |
| 4 | Redwood Credit Union | Santa Rosa, CA | 52.7% | $10.7 billion |
| 5 | Families and Schools Together Federal Credit Union | Hanford, CA | 52.9% | $330 million |
| 6 | Safe 1 Credit Union | Bakersfield, CA | 53.2% | $1.2 billion |
| 7 | San Joaquin Power Employees Credit Union | Fresno, CA | 53.5% | $175 million |
| 8 | Operating Engineers Local Union #3 Federal Credit Union | Livermore, CA | 53.9% | $1.7 billion |
| 9 | Educational Employees Credit Union | Fresno, CA | 54.0% | $5.4 billion |
| 10 | Tucoemas Federal Credit Union | Visalia, CA | 54.1% | $332 million |
| 11 | Schoolsfirst Federal Credit Union | Santa Ana, CA | 54.2% | $37.2 billion |
| 12 | Sacramento Credit Union | Sacramento, CA | 56.0% | $858 million |
| 13 | Mission Federal Credit Union | San Diego, CA | 56.8% | $7.3 billion |
| 14 | Orange County'S Federal Credit Union | Santa Ana, CA | 57.1% | $3.1 billion |
| 15 | Glendale Area Schools Credit Union | Glendale, CA | 57.6% | $422 million |
| 16 | Stanford Federal Credit Union | Palo Alto, CA | 57.9% | $4.6 billion |
| 17 | Water and Power Community Credit Union | Los Angeles, CA | 60.1% | $1.0 billion |
| 18 | Santa Ana Federal Credit Union | Santa Ana, CA | 60.8% | $112 million |
| 19 | First California Federal Credit Union | Fresno, CA | 60.9% | $110 million |
| 20 | Wheelhouse Credit Union | San Diego, CA | 61.4% | $460 million |
| 21 | Firefighters First Federal Credit Union | Los Angeles, CA | 61.5% | $2.5 billion |
| 22 | California Coast Credit Union | San Diego, CA | 61.7% | $3.5 billion |
| 23 | Marin County Federal Credit Union | San Rafael, CA | 61.9% | $104 million |
| 24 | Merced School Employees Federal Credit Union | Merced, CA | 62.0% | $899 million |
| 25 | Logix Federal Credit Union | Valencia, CA | 62.2% | $9.7 billion |
| 26 | Ume Federal Credit Union | Burbank, CA | 62.3% | $328 million |
| 27 | Sag-Aftra Federal Credit Union | Burbank, CA | 63.4% | $336 million |
| 28 | Santa Barbara Teachers Federal Credit Union | Santa Barbara, CA | 63.7% | $308 million |
| 29 | San Francisco Federal Credit Union | San Francisco, CA | 63.9% | $1.6 billion |
| 30 | Credit Union of Southern Ca, A | Anaheim, CA | 65.0% | $4.0 billion |
| 31 | Ventura County Credit Union | Ventura, CA | 65.0% | $1.5 billion |
| 32 | American First Credit Union | Brea, CA | 65.0% | $1.4 billion |
| 33 | Lbs Financial Credit Union | Long Beach, CA | 65.1% | $2.2 billion |
| 34 | Smw 104 Federal Credit Union | Livermore, CA | 65.2% | $118 million |
| 35 | The Golden 1 Credit Union | Sacramento, CA | 65.5% | $22.2 billion |
| 36 | Yolo Federal Credit Union | Woodland, CA | 66.1% | $412 million |
| 37 | First Technology Federal Credit Union | San Jose, CA | 66.1% | $27.9 billion |
| 38 | Certified Federal Credit Union | El Monte, CA | 66.3% | $925 million |
| 39 | Merco Credit Union | Merced, CA | 66.4% | $207 million |
| 40 | Mocse Federal Credit Union | Modesto, CA | 66.5% | $426 million |
| 41 | Valley Strong Credit Union | Bakersfield, CA | 66.8% | $4.1 billion |
| 42 | Sri Federal Credit Union | Menlo Park, CA | 67.5% | $236 million |
| 43 | Kings Federal Credit Union | Hanford, CA | 67.6% | $162 million |
| 44 | Siskiyou Credit Union | Yreka, CA | 67.6% | $144 million |
| 45 | Corazo Credit Union | El Centro, CA | 67.7% | $244 million |
| 46 | Travis Credit Union | Vacaville, CA | 67.8% | $5.9 billion |
| 47 | Sierra Central Credit Union | Yuba City, CA | 68.0% | $1.5 billion |
| 48 | California Lithuanian Credit Union | Santa Monica, CA | 68.9% | $175 million |
| 49 | Patelco Credit Union | Dublin, CA | 68.9% | $9.8 billion |
| 50 | Valley First Federal Credit Union | Modesto, CA | 69.0% | $1.1 billion |
| 51 | Popa Federal Credit Union | Cerritos, CA | 69.1% | $405 million |
| 52 | Uncle Credit Union | Livermore, CA | 70.8% | $716 million |
| 53 | Altura Federal Credit Union | Riverside, CA | 71.0% | $2.6 billion |
| 54 | San Francisco Fire Credit Union | San Francisco, CA | 71.1% | $1.6 billion |
| 55 | Bay Federal Credit Union | Capitola, CA | 71.4% | $1.9 billion |
| 56 | F3 Credit Union | San Jose, CA | 71.5% | $237 million |
| 57 | Cabrillo Credit Union | San Diego, CA | 72.0% | $574 million |
| 58 | I.L.W.U. Federal Credit Union | Long Beach, CA | 72.1% | $608 million |
| 59 | Monterra Credit Union | Redwood City, CA | 72.3% | $1.9 billion |
| 60 | Arrowhead Federal Credit Union | Rancho Cucamong, CA | 72.3% | $2.9 billion |
| 61 | Noble Federal Credit Union | Fresno, CA | 72.4% | $1.5 billion |
| 62 | Safe Credit Union | Folsom, CA | 72.7% | $4.4 billion |
| 63 | Financial Partners Credit Union | Downey, CA | 73.2% | $2.2 billion |
| 64 | Nuvision Federal Credit Union | Huntington Beac, CA | 73.5% | $4.0 billion |
| 65 | Coasthills Federal Credit Union | Santa Maria, CA | 73.5% | $1.8 billion |
| 66 | Skyone Federal Credit Union | Hawthorne, CA | 73.5% | $863 million |
| 67 | America'S Christian Credit Union | Glendora, CA | 74.6% | $820 million |
| 68 | Los Angeles Federal Credit Union | Glendale, CA | 74.9% | $1.3 billion |
| 69 | Glendale Federal Credit Union | Glendale, CA | 75.8% | $103 million |
| 70 | Community First Credit Union | Santa Rosa, CA | 75.9% | $921 million |
| 71 | Frontwave Credit Union | Oceanside, CA | 76.0% | $1.7 billion |
| 72 | Coast Central Credit Union | Eureka, CA | 76.3% | $2.3 billion |
| 73 | Premier One Credit Union | San Jose, CA | 76.4% | $656 million |
| 74 | Eagle Community Credit Union | Lake Forest, CA | 76.6% | $409 million |
| 75 | Monterey Credit Union | Monterey, CA | 76.8% | $361 million |
| 76 | Mission City Federal Credit Union | Santa Clara, CA | 77.0% | $172 million |
| 77 | Keypoint Credit Union | San Jose, CA | 77.2% | $1.7 billion |
| 78 | Technology Credit Union | San Jose, CA | 77.2% | $4.5 billion |
| 79 | Matadors Community Credit Union | Northridge, CA | 77.2% | $356 million |
| 80 | Usc Credit Union | Los Angeles, CA | 77.3% | $741 million |
| 81 | Interfaith Federal Credit Union | Montclair, CA | 77.4% | $135 million |
| 82 | Kinecta Federal Credit Union | Manhattan Beach, CA | 77.5% | $6.8 billion |
| 83 | Partners Federal Credit Union | Burbank, CA | 77.7% | $2.8 billion |
| 84 | Strata Federal Credit Union | Bakersfield, CA | 77.8% | $345 million |
| 85 | Farmers Insurance Federal Credit Union | Los Angeles, CA | 77.8% | $1.3 billion |
| 86 | Pacific Service Credit Union | Concord, CA | 77.9% | $1.3 billion |
| 87 | California Federal Credit Union | Glendale, CA | 77.9% | $5.4 billion |
| 88 | 1st United Credit Union | Pleasanton, CA | 78.0% | $1.3 billion |
| 89 | San Diego County Credit Union | San Diego, CA | 78.3% | $9.5 billion |
| 90 | Priority One Credit Union | South Pasadena, CA | 78.3% | $206 million |
| 91 | Mirastar Federal Credit Union | San Jose, CA | 78.4% | $1.0 billion |
| 92 | Commonwealth Central Credit Union | San Jose, CA | 78.9% | $625 million |
| 93 | 1st Northern California Credit Union | Martinez, CA | 79.1% | $829 million |
| 94 | Wescom Central Credit Union | Pasadena, CA | 79.1% | $6.6 billion |
| 95 | Sesloc Credit Union | San Luis Obispo, CA | 79.4% | $1.3 billion |
| 96 | Provident Credit Union | Redwood City, CA | 79.7% | $3.6 billion |
| 97 | Heritage Community Credit Union | Rancho Cordova, CA | 79.7% | $283 million |
| 98 | Southland Credit Union | Los Alamitos, CA | 80.0% | $1.3 billion |
| 99 | Mypoint Credit Union | San Diego, CA | 80.2% | $705 million |
| 100 | The First Financial Federal Credit Union | Pasadena, CA | 80.5% | $748 million |
Rankings sort one published measure; they are not an overall judgment of any institution. Methodology · All rankings