Sep, 30, 2025 — RANCHO FEDERAL CREDIT UNION is a federal credit union headquartered in DOWNEY, CA with 3 branch locations and about $109.10 million in total assets. Opened 90 years ago in 1936, RANCHO FEDERAL CREDIT UNION has about 7,051 members and employs 21 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | RANCHO FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 12620 Erickson Ave Ste H DOWNEY, CA 90242-4019 |
| Phone: | (562) 803-6401 |
| Fax: | (562) 803-8798 |
| Website: | https://www.ranchofcu.org |
| Branches: | 3 branch locations |
| Members: | 7,051 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 1204 |
|---|---|
| Membership Type: | Multiple common bond - Primarily federal, state, local government |
| Corporate Credit Union: | No |
| Year Opened: | 1936 |
| Last Audited: | Sep 01, 2024 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $109,104,136 |
| CEO/Manager: | Beatrice Scott |
| Chairperson: | Jason M Lockhart |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 9,135,533 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 33,194,244 |
| Unsecured Loans | 5,290,165 |
| Other Loans | 24,789,401 |
| TOTAL LOANS | 63,273,811 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -184,443 |
| Land And Building | 33,084 |
| Other Fixed Assets | 129,740 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 961,024 |
| All Other Assets | 0 |
| TOTAL ASSETS | 109,104,136 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 229 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 192,112 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 26,403,791 |
| Regular shares | 54,151,989 |
| All Other Shares & Deposits | 19,381,976 |
| TOTAL SHARES & DEPOSITS | 99,937,755 |
| TOTAL LIABILITIES | 100,130,096 |
| Regular Reserve | 0 |
| Other Reserves | -172,418 |
| Undivided Earnings | 9,146,458 |
| TOTAL EQUITY | 8,974,040 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 109,104,136 |
| INCOME & EXPENSE | |
| Loan Income | 2,492,956 |
| Investment Income | 1,066,322 |
| Other Income | 690,926 |
| Total Employee Compensation & Benefits | 1,624,128 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 2,086,887 |
| Non-operating Income & (Expense) | 0 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 207,420 |
| Cost of Funds | 275,783 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 349,277 |
| ↑ Back to Top | |