credit union · NCUA 6032 · CA
How big is KERN?
KERN (CA, NCUA charter 6032) reported total assets of $344.5M, 24,415 members and a net worth ratio of 14.20% in its Call Report for 2026Q2. That ranks 970 of 4,299 federally insured credit unions by assets, 211 of 1,061 among credit unions with $100m-$500m in assets, 102 of 239 credit unions in california.
What stands out
KERN (CA, NCUA charter 6032) reported total assets of $344.5M, 24,415 members and a net worth ratio of 14.20% in its Call Report for 2026Q2. That ranks 970 of 4,299 federally insured credit unions by assets, 211 of 1,061 among credit unions with $100m-$500m in assets, 102 of 239 credit unions in california. Against its size class: net worth ratio 14.20%, above the peer median of 11.65%; loan-to-share ratio 85.33%, above the peer median of 73.15%; return on assets 0.31%, below the peer median of 0.74%. At 14.20% its net worth ratio is above the 7% NCUA threshold, which puts it in the "well capitalised" band of prompt corrective action; the regulator applies further tests, this page does not.
Key figures, 2026Q2
As filed with the NCUA; ratios computed by FACTANKER. Peer medians are percentile_cont over the group in the same quarter.
| Measure | 2026Q2 | Median, size class | Median, state | Median, all | Evidence |
|---|---|---|---|---|---|
| Total assets | $344.5M | $198.1M | $205.9M | $68.3M | record → |
| Shares and deposits | $291.4M | $172.3M | $179.4M | $58.3M | record → |
| Loans outstanding | $248.7M | $125.2M | $125.6M | $34.4M | record → |
| Net income (year to date) | $530.0k | $766.3k | $432.9k | $222.2k | record → |
| Net worth | $48.9M | $24.5M | $25.9M | $9.0M | record → |
| Net worth ratio | 14.20% | 11.65% | 11.30% | 12.65% | record → |
| Loan-to-share ratio | 85.33% | 73.15% | 72.15% | 68.70% | computed |
| Return on assets | 0.31% | 0.74% | 0.56% | 0.71% | computed |
| Members | 24,415 | 13,230 | 11,423 | 4,818 | record → |
Quarter by quarter
45 Call Reports on record, 2015Q2–2026Q2; the 40 most recent shown.
| Quarter | Total assets | Shares | Loans | Net income YTD | Net worth ratio | Members | Rank |
|---|---|---|---|---|---|---|---|
| 2026Q2 | $344.5M | $291.4M | $248.7M | $530.0k | 14.20% | 24,415 | 970 |
| 2026Q1 | $346.0M | $293.9M | $250.6M | $-115.3k | 13.96% | 24,469 | 967 |
| 2025Q4 | $336.2M | $283.5M | $254.9M | $1.7M | 14.32% | 24,460 | 973 |
| 2025Q3 | $336.6M | $283.3M | $251.3M | $1.3M | 14.40% | 24,384 | 970 |
| 2025Q2 | $338.2M | $285.5M | $249.9M | $670.5k | 14.14% | 24,371 | 965 |
| 2025Q1 | $343.1M | $291.9M | $249.6M | $-163.3k | 13.71% | 24,308 | 953 |
| 2024Q4 | $339.7M | $287.1M | $250.6M | $3.7M | 13.89% | 24,137 | 947 |
| 2024Q3 | $338.4M | $286.6M | $255.1M | $3.7M | 13.95% | 23,953 | 946 |
| 2024Q2 | $342.4M | $289.1M | $258.2M | $3.3M | 13.66% | 24,040 | 938 |
| 2024Q1 | $349.2M | $290.6M | $259.8M | $196.4k | 12.56% | 24,024 | 931 |
| 2023Q4 | $341.3M | $282.8M | $265.9M | $3.1M | 12.75% | 23,721 | 933 |
| 2023Q3 | $339.0M | $285.6M | $262.8M | $2.5M | 12.60% | 23,655 | 934 |
| 2023Q2 | $348.2M | $293.9M | $258.8M | $1.4M | 11.95% | 23,607 | 918 |
| 2023Q1 | $337.5M | $290.1M | $255.1M | $600.8k | 12.09% | 23,462 | 938 |
| 2022Q4 | $333.0M | $281.4M | $246.3M | $1.0M | 12.07% | 23,378 | 939 |
| 2022Q3 | $330.1M | $289.1M | $230.0M | $615.8k | 12.04% | 22,798 | 938 |
| 2022Q2 | $331.1M | $293.3M | $220.3M | $277.1k | 11.92% | 22,443 | 938 |
| 2022Q1 | $340.2M | $298.5M | $215.1M | $244.9k | 11.58% | 22,280 | 922 |
| 2021Q4 | $331.4M | $289.4M | $212.5M | $1.8M | 11.97% | 22,087 | 922 |
| 2021Q3 | $330.3M | $287.6M | $191.8M | $1.3M | 11.70% | 21,767 | 917 |
| 2021Q2 | $322.0M | $280.5M | $176.6M | $982.9k | 11.90% | 21,422 | 922 |
| 2021Q1 | $324.7M | $278.9M | $169.4M | $431.7k | 11.62% | 21,065 | 915 |
| 2020Q4 | $307.4M | $263.1M | $173.6M | $1.7M | 12.14% | 19,933 | 906 |
| 2020Q3 | $301.5M | $251.5M | $172.7M | $1.1M | 12.16% | 19,778 | 896 |
| 2020Q2 | $300.3M | $250.9M | $177.6M | $672.7k | 12.07% | 20,271 | 887 |
| 2020Q1 | $270.6M | $232.4M | $187.8M | $435.5k | 13.31% | 20,437 | 911 |
| 2019Q4 | $266.9M | $228.7M | $191.7M | $2.2M | 13.33% | 20,224 | 896 |
| 2019Q3 | $263.9M | $226.1M | $195.5M | $1.5M | 13.22% | 20,077 | 897 |
| 2019Q2 | $263.4M | $225.8M | $196.5M | $1.1M | 13.10% | 19,874 | 899 |
| 2019Q1 | $261.8M | $225.1M | $197.2M | $484.3k | 12.95% | 19,709 | 902 |
| 2018Q4 | $253.2M | $217.0M | $203.7M | $2.1M | 13.20% | 19,767 | 900 |
| 2018Q3 | $249.6M | $213.5M | $209.3M | $1.4M | 13.13% | 19,755 | 905 |
| 2018Q2 | $248.1M | $213.2M | $216.7M | $772.7k | 12.94% | 19,719 | 913 |
| 2018Q1 | $249.4M | $214.8M | $203.0M | $13.2k | 12.57% | 19,299 | 904 |
| 2017Q4 | $244.7M | $210.0M | $204.2M | $1.1M | 12.81% | 19,407 | 896 |
| 2017Q3 | $243.4M | $209.0M | $200.1M | $635.2k | 12.66% | 19,253 | 898 |
| 2017Q2 | $244.8M | $211.7M | $202.6M | $81.0k | 12.36% | 19,211 | 888 |
| 2017Q1 | $247.0M | $214.0M | $191.7M | $-124.7k | 12.17% | 19,080 | 881 |
| 2016Q4 | $240.7M | $207.3M | $194.5M | $16.1k | 12.54% | 18,985 | 875 |
| 2016Q3 | $238.3M | $204.7M | $186.8M | $-261.4k | 12.55% | 18,791 | 881 |
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