Credit union · NCUA insured
Edwards Federal Credit Union
A $278.9M credit union headquartered in Edwards, CA, with 16,661 members and 2 branches in California. Best rates: CDs 3.65% and savings 1.00% APY.
Edwards Federal Credit Union Carrot Score
82
Carrot Score
Higher than 61% of U.S. banks and credit unions
#63 of 128 in Los Angeles, CA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Edwards Federal Credit Union
- Headquarters
- 10 S Muroc Dr, Edwards, CA 93524-8002
- NCUA charter
- 14830
Branches
2 branches in California
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California
2 branches
Bakersfield area · 1
- Edwards AFB BranchMain office10 S Muroc Dr, Edwards, CA 93524Directions
Los Angeles area · 1
- Palmdale Branch39963 10th St W, Palmdale, CA 93551Directions
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 | 8.76% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.81% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | -0.18% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $61 | $76 | — |
- CapitalNet worth ratio8.76%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.81%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets-0.18%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$61Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion 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 Edwards 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.