University Credit Union Los Angeles, California
University Credit Union is a state-chartered credit union headquartered in Los Angeles, CA, established in 1950 (NCUA charter 64171), and it is regulated and insured by the NCUA. At Q2 2026 it reported 60,212 members and total assets of $1.17B (up 1.7% from Q2 2025), the 60th largest of 238 credit unions headquartered in California. Its net worth ratio was 8.73% at Q2 2026, in the well capitalized band.
Also written as University CU
BankRegReports is independent of University Credit Union and never asks for online banking logins or passwords.
Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- State-chartered credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 64171
- Headquarters
- Los Angeles, CA
- Established
- 1950
- Total assets, Q2 2026
- $1.17B
- Assets vs Q2 2025
- +1.7%
- Members, Q2 2026
- 60,212
- Net worth ratio, Q2 2026
- 8.73%
- Latest call report
- Q2 2026, NCUA 5300 · University Credit Union call report
- Asset rank in state
- 60th of 238 in California
- Routing number
- 322079502
- Branches
- 3
It has 2,559 more members than on June 30, 2025 (+4.4%). Its net worth ratio was down 0.08 percentage points from 8.81% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $599.8M of $998.4M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.45% is above the 0.68% median of the 454 credit unions with $1B to $10B in assets for Q2 2026. Its 8.73% net worth ratio is below that band's 10.89% median.
Credit unions merged into University Credit Union
A C U Credit Union (2025) · Chabot Federal Credit Union (2021)
Frequently asked about University Credit Union
How big is University Credit Union?
At Q2 2026 it reported total assets of $1.17B and 60,212 members.
Where is University Credit Union headquartered?
It is headquartered in Los Angeles, CA, United States.
When was University Credit Union founded?
It was established in 1950, per NCUA records.
Is University Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 64171): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates University Credit Union?
It is a state-chartered credit union, supervised by its state credit union regulator and by the NCUA, which insures its shares.
Is University Credit Union well capitalized?
Its net worth ratio was 8.73% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is University Credit Union's delinquency ratio?
Its delinquency ratio was 1.45% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is University Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 100.76% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Los Angeles, CA 90025
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1950
- NCUA Charter #
- 64171
- RSSD ID
- 321899
- Members
- 60,212
- Potential members
- 2,500,000
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 454 credit unions with $1B to $10B in assets, as of Q2 2026. It is in the top quartile on 0 of 7 ranked measures and in the bottom quartile on 5.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 12.63% | 8.73% | 10.89% | under 10th bottom |
| Return on assets Middle half of peers: 0.59% to 1.25% | -0.07% | 0.89% | under 10th bottom |
| Return on equity Middle half of peers: 5.37% to 10.92% | -0.82% | 8.07% | under 10th bottom |
| Net interest margin Middle half of peers: 3.05% to 3.80% | 3.42% | 3.45% | 48th below |
| Efficiency ratio Middle half of peers: 63.16% to 77.23% | 90.20% | 70.59% | under 10th bottom |
| Cost of funds Middle half of peers: 1.37% to 1.99% | 1.50% | 1.68% | 65th above |
| Delinquency ratio Middle half of peers: 0.45% to 1.05% | 1.45% | 0.68% | 11th bottom |
| Yield on assets Middle half of peers: 4.70% to 5.46% | 4.92% | 5.12% | 38th position only |
| Loan-to-share ratio Middle half of peers: 78.23% to 95.19% | 100.76% | 88.03% | 87th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$1.17B total assets against $1.15B; $990.9M total shares and deposits against $977.5M; $998.4M total loans against $975.7M.
$102.2M net worth against $101.4M.
8.73% net worth ratio against 8.81%.
100.76% loan-to-share ratio against 99.82%.
1.45% delinquency ratio against 1.52%.
-0.07% return on assets against -0.21%; -0.82% return on equity against -2.42%.
3.42% net interest margin against 3.16%.
60,212 members against 57,653.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 8.73% | -0.07% | 1.45% | 100.76% |
| March 31, 2026 | 8.67% | 0.12% | 1.29% | 100.66% |
| December 31, 2025 | 8.75% | 0.26% | 1.64% | 101.63% |
| September 30, 2025 | 8.89% | 0.15% | 1.58% | 101.86% |
| June 30, 2025 | 8.81% | -0.21% | 1.52% | 99.82% |
| March 31, 2025 | 9.00% | 0.00% | 1.25% | 98.79% |
Scroll sideways to see every column.
Watch flags
Loans 60+ days delinquent exceed 1% of the loan book, above the typical credit-union range. Worth watching the trend in coming quarters. BankRegReports early-warning band.
The credit union posted negative net income relative to assets in its latest filing. Credit unions build net worth only through retained earnings, so sustained losses gradually weaken capital. BankRegReports flag, negative earnings.
Loans outstanding exceed total member shares (deposits). The credit union is funding the gap with borrowings or non-member sources that are more rate-sensitive and less stable than core member deposits. Industry heuristic, not a supervisory threshold.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.