Credit Union Safety Analysis
Is United Association Credit Union Safe? Concord, California
Based on its Q2 2026 NCUA 5300 call report, United Association Credit Union has a net worth ratio of 17.30%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.45%, 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, United Association Credit Union's net worth ratio is 17.30%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 17.30%
- Delinquency ratio (60+ days) (Q2 2026): 0.45%
- Return on assets (Q2 2026): 1.19%
- Loan-to-share ratio (Q2 2026): 62.35%
United Association Credit Union (NCUA charter 65155, established 1957) reported $14.3M in assets and 2,153 members for Q2 2026 from Concord, California. It ranks 219 of 238 credit unions in California by total assets. Total assets grew 7.7% from $13.3M on June 30, 2025. It has 21 more members than on June 30, 2025 (+1.0%). Its net worth ratio was down 0.58 percentage points from 17.88% on June 30, 2025. New vehicle loans are its largest loan category, $3.2M of $7.4M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.45% is below the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026.
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: 16.93% for Q1 2026; 17.88% 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: 0.16% for Q1 2026; 0.76% 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: -1.15% for Q1 2026; 1.44% 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: 60.62% for Q1 2026; 68.49% for Q2 2025.
Loans by type, Q2 2026
- New vehicle loans: $3.2M
- Used vehicle loans: $2.9M
- Other unsecured loans and lines of credit: $1.2M
- 1- to 4-family residential and other consumer real estate loans: $49K
- Other secured non-real estate loans and lines of credit: $27K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $14.3M | 17.30% | 0.45% | 1.19% | 62.35% |
| March 31, 2026 | $14.3M | 16.93% | 0.16% | -1.15% | 60.62% |
| December 31, 2025 | $13.7M | 18.00% | — | 1.56% | 65.02% |
| September 30, 2025 | $13.3M | 18.17% | 1.05% | 1.33% | 67.33% |
| June 30, 2025 | $13.3M | 17.88% | 0.76% | 1.44% | 68.49% |
| March 31, 2025 | $13.1M | 17.71% | 0.38% | 2.74% | 67.56% |
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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.
United Association Credit Union profile
Regulator records: NCUA credit union profile (charter 65155) · FFIEC NIC profile (RSSD 531296)
Frequently asked questions
Is United Association Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, United Association Credit Union's net worth ratio is 17.30%, above the 7% NCUA threshold for well capitalized.
Is United Association Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. United Association Credit Union is a federally insured credit union (NCUA charter 65155): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are United Association Credit Union's key safety ratios?
For Q2 2026, United Association Credit Union reports net worth 17.30%, delinquency 0.45%, ROA 1.19%, loan-to-share 62.35%.
What happens to my money if United Association Credit Union fails?
For Q2 2026, United Association Credit Union held $11.8M in shares and deposits for 2,153 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.