Credit union · NCUA insured
Kinecta
A $6.4B credit union, the 61st largest of 4,329, headquartered in Manhattan Beach, CA, with 229,597 members and 24 branches in 2 states. Best rates: CDs 4.50% and savings 0.05% APY.
Kinecta Carrot Score
61
Carrot Score
Higher than 5% of U.S. banks and credit unions
#122 of 128 in Los Angeles, CA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Kinecta
Founded in 1940 as Hughes Aircraft Employees Federal Credit Union, Kinecta Federal Credit Union is a member-owned financial institution serving over 270,000 member-owners.
In 2021, Kinecta merged with Xceed Financial Credit Union, which originated as Rochester Postal Credit Union in 1931.
Headquartered in Southern California, Kinecta operates 23 branches and serves members along with 440 employer groups.
- Headquarters
- 1440 Rosecrans Ave, Manhattan Beach, CA 90266
- NCUA charter
- 4142
Branches
24 branches in 2 states
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California
21 branches
Los Angeles area · 19
- Kinecta Federal Credit UnionMain office1440 Rosecrans Ave, Manhattan Beach, CA 90266Directions
- Brea1040 E Imperial Hwy Ste F3, Brea, CA 92821Directions
- El Segundo2140 E El Segundo Blvd Ste 4B, El Segundo, CA 90245Directions
- Fountain Valley17860 Newhope St Ste 103, Fountain Valley, CA 92708Directions
- Gardena1727 W Artesia Blvd, Gardena, CA 90248Directions
- Hawthorne12750 Hawthorne Blvd Unit A, Hawthorne, CA 90250Directions
- Huntington Beach7881 Edinger Ave, Suite 120, Huntington Beach, CA 92647Directions
- Lakewood4055 Hardwick St, Lakewood, CA 90712Directions
- Watts2365 E Century Blvd Ste B, Los Angeles, CA 90002Directions
- Kinecta Federal Credit Union1440 Rosecrans Ave, Manhattan Beach, CA 90266Directions
- Manhattan Beach Blvd1120 N Sepulveda Blvd, Manhattan Beach, CA 90266Directions
- Redondo Beach1767 S Elena Ave, Redondo Beach, CA 90277Directions
- Palos Verdes46 Peninsula Ctr Ste B, Rolling Hills Estates, CA 90274Directions
- Santa Monica1130 Wilshire Blvd, Santa Monica, CA 90401Directions
- Torrance SkyPark24580 Crenshaw Blvd, Torrance, CA 90505Directions
- Torrance-PCH3635 Pacific Coast Hwy, Torrance, CA 90505Directions
- Tustin2324 Park Ave, Tustin, CA 92782Directions
- Westchester8601 Lincoln Blvd Ste 130, Westchester, CA 90045Directions
- Warner Center21440 Victory Blvd, Woodland Hills, CA 91367Directions
Santa Maria area · 1
- Goleta145 Santa Felicia Dr, Goleta, CA 93117Directions
Oxnard area · 1
- Thousand Oaks550 N Moorpark Rd, Thousand Oaks, CA 91360Directions
New York
3 branches
- Greece3603 Mount Read Blvd, Rochester, NY 14616Directions
- Henrietta1425 Jefferson Rd, Rochester, NY 14623Directions
- Webster Main Branch189 W Main St, Webster, NY 14580Directions
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
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 8.68% | 10.86% | 12.59% or more |
| Troubled loans60+ days late | 0.46% | 0.70% | 0.46% or less |
| ProfitabilityReturn on assets | 0.33% | 0.82% | 1.16% or more |
| LendingLoans per $100 deposited | $95 | $88 | — |
- CapitalNet worth ratio8.68%Peers’ middle 10.86% · Top 25% 12.59%+
- Troubled loans60+ days late0.46%Peers’ middle 0.70% · Top 25% ≤0.46%
- ProfitabilityReturn on assets0.33%Peers’ middle 0.82% · Top 25% 1.16%+
- LendingLoans per $100 deposited$95Peers’ middle $88
Compared with the 479 credit unions with $1 billion or more 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 Kinecta are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.