Charter 9230 · El Monte, CA
Certified Federal Credit Union
Certified Federal Credit Union is a federally chartered credit union in El Monte, California, with $925 million in assets and 58,130 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 20.71%, well above the 7% that NCUA's rules treat as well capitalized.
Also does business as Vons Credit Union, Certified Federal.
- Total assets
- $925 million
- +3.3% in a year
- Members
- 58,130
- -11.9% in a year
- Net worth ratio
- 20.71%
- Peer median 10.79%
- Loans 60+ days late
- 0.37%
- Peer median 0.67%
- Loans outstanding
- $585 million
- +3.3% in a year
- Shares and deposits
- $724 million
- +2.7% in a year
- Branches
- 12
- 123 employees
- Opened
- 1954
- Federal charter
How Certified Federal Credit Union compares
NCUA groups credit unions by size; Certified Federal Credit Union is in the group with $500 million and up (759 credit unions). Its net worth ratio of 20.71% is higher than that group's median of 10.79%, and its share of loans 60 or more days past due, 0.37%, is lower than the group median of 0.67%. Loans grew 3.3% over the year to Q2 2026, against a group median of 5.3% growth.
By assets it ranks 69 of 239 credit unions headquartered in California. See all California credit unions.
Five quarters of figures
| Quarter | Assets | Members | Loans | Net worth ratio | 60+ days late |
|---|---|---|---|---|---|
| Q2 2026 | $925 million | 58,130 | $585 million | 20.71% | 0.37% |
| Q1 2026 | $920 million | 58,317 | $571 million | 20.52% | 0.42% |
| Q4 2025 | $903 million | 60,018 | $570 million | 20.58% | 0.57% |
| Q3 2025 | $899 million | 66,925 | $570 million | 20.49% | 0.51% |
| Q2 2025 | $896 million | 66,013 | $567 million | 20.20% | 0.41% |
Assets Members
Who can join
The field of membership is the group a credit union is allowed to serve: people who live or work in an area, employees of certain companies, members of an association, and their families. The credit union's own website has the exact rules. On its call report it estimates its field of membership at about 500,000 potential members.
Credit unions that anyone in the US can join
Locations
NCUA's branch file lists 12 sites for Certified Federal Credit Union. The branch count in the figures above comes from its call report, which is filed separately, so the two can differ slightly.
- San Diego Branch
3550 Murphy Canyon Rd, San Diego, CA 92123 - El Monte (main office)
4455 Arden Dr, El Monte, CA 91731 - Commerce
4820 S Eastern Ave Ste L, Commerce, CA 90040 - Fullerton Branch
1421 Manhattan Ave, Fullerton, CA 92831 - Brea
200 N Puente St, Brea, CA 92821 - Granada Hills Branch
16830 San Fernando Mission Blvd, Granada Hills, CA 91344 - MWD
700 N Alameda St, Los Angeles, CA 90012 - San Bernardino
420 E Hospitality Ln Ste A6, San Bernardino, CA 92408 - Costa Mesa
3333 Fairview Rd, Costa Mesa, CA 92626 - Diamond Bar
1310 Valley Vista Dr, Diamond Bar, CA 91765 - West Covina
1230 Lakes Dr Ste 108, West Covina, CA 91790 - Tracy Branch
25432 S Schulte Rd Unit 2, Tracy, CA 95377
About these numbers
Figures come from the NCUA 5300 Call Report quarterly data for Q2 2026 (quarter ended June 30, 2026), which each credit union files itself. "60+ days late" is delinquent loans of two months or more divided by total loans. Peer medians are computed across every credit union in the same NCUA asset-size group. NCUA call report data · Methodology