Charter 1204 · Downey, CA
Rancho Federal Credit Union
Rancho Federal Credit Union is a federally chartered credit union in Downey, California, with $109 million in assets and 6,949 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 8.64%, above the 7% that NCUA's rules treat as well capitalized.
- Total assets
- $109 million
- -0.7% in a year
- Members
- 6,949
- -2.4% in a year
- Net worth ratio
- 8.64%
- Peer median 11.65%
- Loans 60+ days late
- 0.47%
- Peer median 0.70%
- Loans outstanding
- $60.5 million
- -2.6% in a year
- Shares and deposits
- $99.7 million
- -0.5% in a year
- Branches
- 3
- 25 employees
- Opened
- 1936
- Federal charter
How Rancho Federal Credit Union compares
NCUA groups credit unions by size; Rancho Federal Credit Union is in the group with $100 million to $500 million (1,061 credit unions). Its net worth ratio of 8.64% is lower than that group's median of 11.65%, and its share of loans 60 or more days past due, 0.47%, is lower than the group median of 0.70%. Loans fell 2.6% over the year to Q2 2026, against a group median of 2.9% growth.
By assets it ranks 146 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 | $109 million | 6,949 | $60.5 million | 8.64% | 0.47% |
| Q1 2026 | $110 million | 6,989 | $61.9 million | 8.42% | 0.12% |
| Q4 2025 | $108 million | 7,004 | $63.3 million | 8.47% | 0.14% |
| Q3 2025 | $109 million | 7,051 | $63.3 million | 8.42% | 0.27% |
| Q2 2025 | $110 million | 7,120 | $62.1 million | 8.28% | 0.28% |
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 50,000 potential members. It holds NCUA's low-income designation, which lets it accept non-member deposits and raise secondary capital.
Credit unions that anyone in the US can join
Locations
NCUA's branch file lists 3 sites for Rancho 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.
- Downey (main office)
12620 Erickson Ave Ste H, Downey, CA 90242 - Buena Park
8530 Stanton Ave, Buena Park, CA 90620 - Claremont
705 W Arrow Hwy, Claremont, CA 91711
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