Credit union · NCUA insured
Nikkei Credit Union
A $80.6M credit union headquartered in Gardena, CA, with 3,779 members and 2 branches in California. Best rates: CDs 3.20% and savings 0.10% APY.
Nikkei Credit Union Carrot Score
69
Carrot Score
Higher than 24% of U.S. banks and credit unions
#100 of 128 in Los Angeles, CA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Nikkei Credit Union
Founded in 1951 as Gardena Valley Japanese Credit Union, Nikkei Credit Union is based in Gardena, California.
The credit union adopted the Nikkei Credit Union name in 1998 and expanded by launching its Mabuhay Credit Union division in 2019.
Owned and democratically controlled by its members, it provides full-service financial cooperative banking for the Japanese American community in Southern California and the Filipino community.
- Headquarters
- 18425 S Western Ave, Gardena, CA 90248
- NCUA charter
- 65059
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Persons of Japanese ancestry and their immediate family living in Los Angeles and Orange Counties.
Employers and groups
- Qualify by making a donation to PIDF or JACCC.
- Gardening, landscaping, horticulture, and nursery professionals/employees in Orange County, their family members, and organizations.
- Employees and members of the Japanese American Cultural and Community Center, Los Angeles, California.
- Philippine Independence Day Foundation, Inc. (PIDF).
Military, government and schools
- Members of Troy Philippines of University of Southern California.
3 more ways to join
Family and household
- Family members or household members of an existing Credit Union member.
Other ways
- Businesses owned by, or associations of, individuals qualifying for credit union membership.
- Other credit unions organized under Federal or State Laws.
Branches
2 branches in California
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California
2 branches
- Gardena BranchMain office18425 S Western Ave, Gardena, CA 90248Directions
- Mabuhay Credit Union - Carson Branch146 W Carson St, Carson, CA 90745Directions
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 | 14.23% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 2.69% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.13% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $83 | $59 | — |
- CapitalNet worth ratio14.23%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late2.69%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.13%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$83Peers’ 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 Nikkei Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.