Credit Union Safety Analysis
Is 1st United Credit Union Safe? Pleasanton, California
Based on its Q2 2026 NCUA 5300 call report, 1st United Credit Union has a net worth ratio of 12.16%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.25%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, 1st United Credit Union's net worth ratio is 12.16%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 12.16%
- Delinquency ratio (60+ days) (Q2 2026): 0.25%
- Return on assets (Q2 2026): 0.73%
- Loan-to-share ratio (Q2 2026): 73.60%
1st United Credit Union (NCUA charter 63958, established 1932) reported $1.26B in assets and 61,303 members for Q2 2026 from Pleasanton, California. It ranks 57 of 238 credit unions in California by total assets. Total assets grew 2.8% from $1.22B on June 30, 2025. It has 684 more members than on June 30, 2025 (+1.1%). Its net worth ratio was up 0.38 percentage points from 11.78% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $479.1M of $811.6M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.25% is below the 0.68% median of the 454 credit unions with $1B to $10B in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 454 credit unions with $1B to $10B in assets: 10.89%; middle half of peers: 9.81% to 12.63%.
Earlier filings: 12.05% for Q1 2026; 11.78% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.68%; middle half of peers: 0.45% to 1.05%.
Earlier filings: 0.14% for Q1 2026; 0.19% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.89%; middle half of peers: 0.59% to 1.25%.
Earlier filings: 0.77% for Q1 2026; 1.49% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 88.03%; middle half of peers: 78.23% to 95.19%.
Earlier filings: 73.26% for Q1 2026; 77.28% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $479.1M
- Used vehicle loans: $160.7M
- New vehicle loans: $103.6M
- Unsecured credit card loans: $41.4M
- Other unsecured loans and lines of credit: $25.9M
- Other secured non-real estate loans and lines of credit: $938K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $1.26B | 12.16% | 0.25% | 0.73% | 73.60% |
| March 31, 2026 | $1.25B | 12.05% | 0.14% | 0.77% | 73.26% |
| December 31, 2025 | $1.25B | 11.92% | 0.23% | 0.71% | 74.69% |
| September 30, 2025 | $1.23B | 11.86% | 0.24% | 0.73% | 76.05% |
| June 30, 2025 | $1.22B | 11.78% | 0.19% | 1.49% | 77.28% |
| March 31, 2025 | $1.22B | 11.43% | 0.25% | 0.51% | 77.62% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
1st United Credit Union profile
Regulator records: NCUA credit union profile (charter 63958) · FFIEC NIC profile (RSSD 40190)
Frequently asked questions
Is 1st United Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, 1st United Credit Union's net worth ratio is 12.16%, above the 7% NCUA threshold for well capitalized.
Is 1st United Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. 1st United Credit Union is a federally insured credit union (NCUA charter 63958): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are 1st United Credit Union's key safety ratios?
For Q2 2026, 1st United Credit Union reports net worth 12.16%, delinquency 0.25%, ROA 0.73%, loan-to-share 73.60%.
What happens to my money if 1st United Credit Union fails?
For Q2 2026, 1st United Credit Union held $1.10B in shares and deposits for 61,303 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.