Credit union · NCUA insured
San Joaquin Power Employees Credit Union
A $173.3M credit union headquartered in Fresno, CA, with 6,531 members and 1 branch in California.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. CDs: no accounts of this kind found on its website. Savings: only special-purpose accounts (IRA, youth) are published. Credit cards: no rates found on its website.
- Savings—4.00%Savings rates →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About San Joaquin Power Employees Credit Union
Established in Fresno, California in 1934 to serve employees of the San Joaquin Light and Power Company, the credit union adjusted its focus after the company consolidated into Pacific Gas & Electric in 1936.
From its single location in Fresno, California, San Joaquin Power Employees Credit Union serves Pacific Gas & Electric employees throughout the state.
- Headquarters
- 1080 W Shaw Ave Ste 109, Fresno, CA 93711
- NCUA charter
- 66788
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees and retirees of PG&E are eligible for membership.
Family and household
- Spouses of PG&E employees and retirees are eligible for membership.
Branches
1 branch in California
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California
1 branch
- San Joaquin Power Employees Credit UnionMain office1080 W Shaw Ave, Ste 109, Fresno, CA 93711Directions
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 | 15.39% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.04% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.55% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $87 | $76 | — |
- CapitalNet worth ratio15.39%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.04%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.55%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$87Peers’ 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 San Joaquin Power Employees Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.