SLO Credit Union


Overview / Commentary
805-543-5839
1220 Osos Street
San Luis Obispo, CA 93401

SLO Credit Union is headquartered in San Luis Obispo and is the 209th largest credit union in the state of California. It is also the 2,850th largest credit union in the nation. It was established in 1953 and as of March of 2025, it had grown to 6 employees and 1,577 members at 1 location. SLO Credit Union has a C health rating.

Field of Membership Restrictions

Membership in SLO Credit Union is open to those who live, work, or attend school in San Luis Obispo County, California. Also eligible to join are California State Employees Association members of chapters in the counties of SLO, Santa Barbara, Monterey, and San Benito; federal Government civilian employees who work in SLO County or have headquarters in the city of Santa Maria; and employees, current and retired, from the Union Oil Company and its subsidiaries, who work or have headquarters in the company’s northern division of California. Immediate family members of those eligible to join also qualify for membership.
See current membership details

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Health
Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. SLO Credit Union has a low asset base.

Health Grade Components

Overall
NCUA #61779
Year Chartered1953
Employees6
Primary Regulator
Profit Margin
Return on Assets - YTD-0.3%
Return on Equity - YTD-2.21%
Annual Interest Income$311K
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$31.6MM$35.5MM
LoansQ1 2025vs Q1 2024$17.5MM$18MM
DepositsQ1 2025vs Q1 2024$27.2MM$31.2MM
Equity CapitalQ1 2025vs Q1 2024$4.5MM$4.2MM
Loan Loss AllowanceQ1 2025vs Q1 2024$75K$65K
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$710K$93K
Real Estate OwnedQ1 2025vs Q1 2024$0$0
Rates

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Locations


SLO Credit Union Locations
Branch Office1220 Osos StSan Luis Obispo, CA 93401-3620

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