Credit union · NCUA insured
SESLOC Credit Union
A $1.3B credit union, the 398th largest of 4,329, headquartered in San Luis Obispo, CA, with 56,359 members and 6 branches in California. Best rates: CDs 4.07% and savings 1.26% APY.
SESLOC Credit Union Carrot Score
85
Carrot Score
Higher than 68% of U.S. banks and credit unions
#4 of 12 in San Luis Obispo, CA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About SESLOC Credit Union
Founded in 1942, SESLOC Credit Union is a member-owned, not-for-profit financial institution operating six branches across California's Central Coast.
Formed as San Luis Obispo County Schools Credit Union to provide fair loans for people of ordinary means, members approved converting from a federal to a state charter in 2024.
- Headquarters
- 3855 Broad St, San Luis Obispo, CA 93401
- NCUA charter
- 68741
Branches
6 branches in California
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California
6 branches
San Luis Obispo area · 5
- Arroyo Grande Branch1399 E Grand Ave, Arroyo Grande, CA 93420Directions
- Atascadero Branch8380 El Camino Real, Atascadero, CA 93422Directions
- Paso Robles Branch705 Golden Hill Rd, Paso Robles, CA 93446Directions
- Cal Poly Branch1 Grand Ave Bldg 65, Room 103, San Luis Obispo, CA 93407Directions
- San Luis Obispo Branch3807 Broad St, San Luis Obispo, CA 93401Directions
Santa Maria area · 1
- Santa Maria Branch2506 S Broadway, Santa Maria, CA 93454Directions
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 | 9.41% | 10.86% | 12.59% or more |
| Troubled loans60+ days late | 0.40% | 0.70% | 0.46% or less |
| ProfitabilityReturn on assets | 0.54% | 0.82% | 1.16% or more |
| LendingLoans per $100 deposited | $83 | $88 | — |
- CapitalNet worth ratio9.41%Peers’ middle 10.86% · Top 25% 12.59%+
- Troubled loans60+ days late0.40%Peers’ middle 0.70% · Top 25% ≤0.46%
- ProfitabilityReturn on assets0.54%Peers’ middle 0.82% · Top 25% 1.16%+
- LendingLoans per $100 deposited$83Peers’ 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 SESLOC Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.