Credit union · NCUA insured
County Schools Federal Credit Union
A $91.5M credit union headquartered in Ventura, CA, with 4,643 members and 2 branches in California. Best rates: CDs 3.75% and savings 0.10% APY.
County Schools Federal Credit Union Carrot Score
74
Carrot Score
Higher than 37% of U.S. banks and credit unions
#11 of 23 in Oxnard, CA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About County Schools Federal Credit Union
Founded in 1960 as Ventura Schools Federal Credit Union by eight educators, County Schools Federal Credit Union is a member-owned financial cooperative headquartered in Ventura, California.
The credit union was established to serve the educational community in Ventura County and continues to support Ventura County's educational community and their families.
- Headquarters
- 3954 E Main St, Ventura, CA 93003
- NCUA charter
- 13495
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Members of Select Employee Groups are eligible to join.
Military, government and schools
- Students, faculty, and staff of all Ventura County schools, colleges, trade schools, and universities are eligible to join.
Family and household
- Immediate families of students, faculty, and staff of Ventura County schools, colleges, trade schools, and universities are eligible to join.
Other ways
- Supporters of local education like PTO donors are eligible to join.
Branches
2 branches in California
Loading map…
California
2 branches
- Main BranchMain office3954 E Main St, Ventura, CA 93003Directions
- Oxnard Branch142 W 5th St, Oxnard, CA 93030Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 8.51% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 3.52% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.13% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $70 | $59 | — |
- CapitalNet worth ratio8.51%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late3.52%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.13%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$70Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of County Schools Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.