Credit Union Safety Analysis
Is Union Yes Federal Credit Union Safe? Orange, California
Based on its Q2 2026 NCUA 5300 call report, Union Yes Federal Credit Union has a net worth ratio of 8.62%, at the NCUA level for well capitalized, its 60-day delinquency ratio is not reported, 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, Union Yes Federal Credit Union's net worth ratio is 8.62%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 8.62%
- Delinquency ratio (60+ days) (Q2 2026): not reported
- Return on assets (Q2 2026): 1.69%
- Loan-to-share ratio (Q2 2026): 48.69%
Union Yes Federal Credit Union (NCUA charter 24131, established 1981) reported $89.0M in assets and 24,595 members for Q2 2026 from Orange, California. It ranks 156 of 238 credit unions in California by total assets. Total assets grew 11.0% from $80.2M on June 30, 2025. It has 743 more members than on June 30, 2025 (+3.1%). Its net worth ratio was up 0.22 percentage points from 8.40% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $17.6M of $39.0M in total loans on its June 30, 2026 filing.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 2,479 credit unions with under $100M in assets: 14.31%; middle half of peers: 11.14% to 19.38%.
Earlier filings: 8.33% for Q1 2026; 8.40% for Q2 2025.
Median of the 2,162 credit unions with under $100M in assets: 0.86%; middle half of peers: 0.35% to 1.93%.
Earlier filings: 0.09% for Q1 2026; 0.08% for Q2 2025.
Median of the 2,477 credit unions with under $100M in assets: 0.72%; middle half of peers: 0.16% to 1.30%.
Earlier filings: 0.65% for Q1 2026; 1.93% for Q2 2025.
Median of the 2,470 credit unions with under $100M in assets: 58.92%; middle half of peers: 42.33% to 75.81%.
Earlier filings: 45.03% for Q1 2026; 57.98% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $17.6M
- New vehicle loans: $10.3M
- Used vehicle loans: $7.1M
- Commercial loans: $2.3M
- Other secured non-real estate loans and lines of credit: $920K
- Other unsecured loans and lines of credit: $411K
- Unsecured credit card loans: $396K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $89.0M | 8.62% | — | 1.69% | 48.69% |
| March 31, 2026 | $96.9M | 8.33% | 0.09% | 0.65% | 45.03% |
| December 31, 2025 | $83.3M | 8.70% | — | 1.61% | 54.28% |
| September 30, 2025 | $94.8M | 8.15% | 0.03% | 1.16% | 48.45% |
| June 30, 2025 | $80.2M | 8.40% | 0.08% | 1.93% | 57.98% |
| March 31, 2025 | $90.8M | 7.87% | 0.03% | 1.03% | 50.37% |
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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.
Union Yes Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 24131) · FFIEC NIC profile (RSSD 757199)
Frequently asked questions
Is Union Yes Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Union Yes Federal Credit Union's net worth ratio is 8.62%, above the 7% NCUA threshold for well capitalized.
Is Union Yes Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Union Yes Federal Credit Union is a federally insured credit union (NCUA charter 24131): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Union Yes Federal Credit Union's key safety ratios?
For Q2 2026, Union Yes Federal Credit Union reports net worth 8.62%, delinquency not reported, ROA 1.69%, loan-to-share 48.69%.
What happens to my money if Union Yes Federal Credit Union fails?
For Q2 2026, Union Yes Federal Credit Union held $80.0M in shares and deposits for 24,595 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.