San Luis Obispo, CA · State Credit Union · Chartered in CA
Who can join
State government employees (special charter)
Members
56,359
Net Worth Ratio
9.32%
min. 7% = Well Capitalized
Contact & Details
NCUAWebsite
Phone
Address
Branch Locations
Credit unions are exempt from CRA. The Community Reinvestment Act applies only to FDIC-insured banks and thrifts. Credit unions are regulated by NCUA and evaluated under a separate safety and soundness framework.
Total Assets
$1.25B
Total Shares
$1.12B
Total Loans
$898.4M
Net Income
$1.3M
Net Worth Ratio
9.32%
≥7% = Well Capitalized
Members
56,359
Return on Assets
0.10%
annualized · >0.5% healthy
Delinquency Rate (60d+)
0.35%
$3.1M
| Year | Applications | Originated | Denials | Orig. Rate | Denial Rate |
|---|---|---|---|---|---|
| 2023 | 897 | 478 | 342 | 53.3% | 38.1% |
| 2022 | 1,114 | 636 | 392 | 57.1% | 35.2% |
| 2021 | 605 | 394 | 112 | 65.1% | 18.5% |
No CFPB complaint data available for this credit union.
Headquarters
3855 Broad St, San Luis Obispo, CA, 93401
9:00 - 6:00
Paso Robles Branch
705 Golden Hill Rd, Paso Robles, CA, 93446-3057
M-F 9:00 a.m. - 5:00 p.m. (Lobby) M-F 9:00 a.m. - 5:00 p.m. (drive-thru)
Arroyo Grande Branch
1399 E Grand Ave, Arroyo Grande, CA, 93420-2421
M-F 9:00 a.m. - 5:00 p.m.
San Luis Obispo Branch
3807 Broad St, San Luis Obispo, CA, 93401
M-F 9:00 a.m. - 5:00 p.m.
Santa Maria Branch
2506 S Broadway, Santa Maria, CA, 93454
M-F 9:00 a.m. - 5:00 p.m.
Cal Poly Branch
1 Grand Ave Bldg 65, San Luis Obispo, CA, 93407
M-F 9:00 a.m. - 5:00 p.m.
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<a href="https://bankscorer.com/credit-union/sesloc" target="_blank" rel="noopener">View SESLOC on Bank Scorer</a>Data sourced from NCUA 5300 Call Report and branch data. Updated quarterly.
Loan-to-share ratio: 79.9%· healthy range 60–80%
Atascadero Branch
8380 El Camino Real, Atascadero, CA, 93422-5324
M-F 9:00 a.m. - 5:00 p.m. (Lobby) M-F 9:00 a.m. - 5:00 p.m. (drive-thru)