Credit Union Safety Analysis
Is Uncle Credit Union Safe? Livermore, California
Based on its Q2 2026 NCUA 5300 call report, Uncle Credit Union has a net worth ratio of 8.28%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.60%, 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, Uncle Credit Union's net worth ratio is 8.28%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 8.28%
- Delinquency ratio (60+ days) (Q2 2026): 0.60%
- Return on assets (Q2 2026): 0.45%
- Loan-to-share ratio (Q2 2026): 94.78%
Uncle Credit Union (NCUA charter 64482, established 1957) reported $716.1M in assets and 36,258 members for Q2 2026 from Livermore, California. It ranks 81 of 238 credit unions in California by total assets. Total assets fell 7.5% from $774.0M on June 30, 2025. It has 3,379 fewer members than on June 30, 2025 (-8.5%). Its net worth ratio was up 1.02 percentage points from 7.26% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $385.1M of $611.2M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.60% is below the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 1,341 credit unions with $100M to $1B in assets: 11.43%; middle half of peers: 9.81% to 13.58%.
Earlier filings: 7.92% for Q1 2026; 7.26% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.68%; middle half of peers: 0.39% to 1.12%.
Earlier filings: 0.67% for Q1 2026; 0.87% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.81%; middle half of peers: 0.43% to 1.23%.
Earlier filings: 0.13% for Q1 2026; -0.09% for Q2 2025.
Median of the 1,341 credit unions with $100M to $1B in assets: 75.66%; middle half of peers: 62.05% to 86.41%.
Earlier filings: 94.70% for Q1 2026; 97.98% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $385.1M
- New vehicle loans: $107.9M
- Used vehicle loans: $59.2M
- Other unsecured loans and lines of credit: $31.4M
- Unsecured credit card loans: $15.3M
- Other secured non-real estate loans and lines of credit: $6.1M
- Commercial loans: $6.1M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $716.1M | 8.28% | 0.60% | 0.45% | 94.78% |
| March 31, 2026 | $738.0M | 7.92% | 0.67% | 0.13% | 94.70% |
| December 31, 2025 | $756.9M | 7.73% | 1.11% | 0.32% | 96.71% |
| September 30, 2025 | $771.0M | 7.51% | 1.00% | 0.89% | 98.84% |
| June 30, 2025 | $774.0M | 7.26% | 0.87% | -0.09% | 97.98% |
| March 31, 2025 | $753.8M | 7.69% | 0.68% | -0.34% | 94.61% |
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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.
Regulator records: NCUA credit union profile (charter 64482) · FFIEC NIC profile (RSSD 363693)
Frequently asked questions
Is Uncle Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Uncle Credit Union's net worth ratio is 8.28%, above the 7% NCUA threshold for well capitalized.
Is Uncle Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Uncle Credit Union is a federally insured credit union (NCUA charter 64482): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Uncle Credit Union's key safety ratios?
For Q2 2026, Uncle Credit Union reports net worth 8.28%, delinquency 0.60%, ROA 0.45%, loan-to-share 94.78%.
What happens to my money if Uncle Credit Union fails?
For Q2 2026, Uncle Credit Union held $644.9M in shares and deposits for 36,258 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.