Credit Union Safety Analysis
Is United Local Credit Union Safe? Fresno, California
Based on its Q2 2026 NCUA 5300 call report, United Local Credit Union has a net worth ratio of 20.14%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.20%, 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 Local Credit Union's net worth ratio is 20.14%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 20.14%
- Delinquency ratio (60+ days) (Q2 2026): 0.20%
- Return on assets (Q2 2026): 0.21%
- Loan-to-share ratio (Q2 2026): 80.72%
United Local Credit Union (NCUA charter 60408, established 1953) reported $119.3M in assets and 7,568 members for Q2 2026 from Fresno, California. It ranks 140 of 238 credit unions in California by total assets. Total assets fell 1.5% from $121.1M on June 30, 2025. It has 518 fewer members than on June 30, 2025 (-6.4%). Its net worth ratio was up 0.54 percentage points from 19.60% on June 30, 2025. New vehicle loans are its largest loan category, $31.2M of $76.4M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.20% 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: 19.78% for Q1 2026; 19.60% 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: 0.41% for Q1 2026; 0.16% 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: -0.31% for Q1 2026; 0.36% 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: 71.84% for Q1 2026; 80.55% for Q2 2025.
Loans by type, Q2 2026
- New vehicle loans: $31.2M
- 1- to 4-family residential and other consumer real estate loans: $25.0M
- Used vehicle loans: $17.7M
- Unsecured credit card loans: $1.2M
- Other unsecured loans and lines of credit: $858K
- Commercial loans: $276K
- Other secured non-real estate loans and lines of credit: $161K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $119.3M | 20.14% | 0.20% | 0.21% | 80.72% |
| March 31, 2026 | $121.1M | 19.78% | 0.41% | -0.31% | 71.84% |
| December 31, 2025 | $120.1M | 20.02% | 0.32% | 0.52% | 75.70% |
| September 30, 2025 | $120.6M | 19.84% | 0.23% | 0.68% | 80.51% |
| June 30, 2025 | $121.1M | 19.60% | 0.16% | 0.36% | 80.55% |
| March 31, 2025 | $123.1M | 19.18% | 0.28% | 0.69% | 77.69% |
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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 Local Credit Union profile
Regulator records: NCUA credit union profile (charter 60408) · FFIEC NIC profile (RSSD 445991)
Frequently asked questions
Is United Local Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, United Local Credit Union's net worth ratio is 20.14%, above the 7% NCUA threshold for well capitalized.
Is United Local Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. United Local Credit Union is a federally insured credit union (NCUA charter 60408): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are United Local Credit Union's key safety ratios?
For Q2 2026, United Local Credit Union reports net worth 20.14%, delinquency 0.20%, ROA 0.21%, loan-to-share 80.72%.
What happens to my money if United Local Credit Union fails?
For Q2 2026, United Local Credit Union held $94.6M in shares and deposits for 7,568 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.