Credit Union Safety Analysis
Is University Credit Union Safe? Los Angeles, California
Based on its Q2 2026 NCUA 5300 call report, University Credit Union has a net worth ratio of 8.73%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 1.45%, 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, University Credit Union's net worth ratio is 8.73%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 8.73%
- Delinquency ratio (60+ days) (Q2 2026): 1.45%
- Return on assets (Q2 2026): -0.07%
- Loan-to-share ratio (Q2 2026): 100.76%
University Credit Union (NCUA charter 64171, established 1950) reported $1.17B in assets and 60,212 members for Q2 2026 from Los Angeles, California. It ranks 60 of 238 credit unions in California by total assets. Total assets grew 1.7% from $1.15B on June 30, 2025. 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.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 454 credit unions with $1B to $10B in assets: 10.89%; middle half of peers: 9.81% to 12.63%.
Earlier filings: 8.67% for Q1 2026; 8.81% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.68%; middle half of peers: 0.45% to 1.05%.
Earlier filings: 1.29% for Q1 2026; 1.52% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.89%; middle half of peers: 0.59% to 1.25%.
Earlier filings: 0.12% for Q1 2026; -0.21% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 88.03%; middle half of peers: 78.23% to 95.19%.
Earlier filings: 100.66% for Q1 2026; 99.82% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $599.8M
- Other secured non-real estate loans and lines of credit: $135.4M
- Commercial loans: $88.8M
- New vehicle loans: $64.9M
- Used vehicle loans: $40.2M
- Other unsecured loans and lines of credit: $28.1M
- Unsecured credit card loans: $26.3M
- Non-federally guaranteed student loans: $14.9M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $1.17B | 8.73% | 1.45% | -0.07% | 100.76% |
| March 31, 2026 | $1.19B | 8.67% | 1.29% | 0.12% | 100.66% |
| December 31, 2025 | $1.17B | 8.75% | 1.64% | 0.26% | 101.63% |
| September 30, 2025 | $1.15B | 8.89% | 1.58% | 0.15% | 101.86% |
| June 30, 2025 | $1.15B | 8.81% | 1.52% | -0.21% | 99.82% |
| March 31, 2025 | $1.14B | 9.00% | 1.25% | 0.00% | 98.79% |
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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.
University Credit Union profile
Regulator records: NCUA credit union profile (charter 64171) · FFIEC NIC profile (RSSD 321899)
Frequently asked questions
Is University Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, University Credit Union's net worth ratio is 8.73%, above the 7% NCUA threshold for well capitalized.
Is University Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. University Credit Union is a federally insured credit union (NCUA charter 64171): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are University Credit Union's key safety ratios?
For Q2 2026, University Credit Union reports net worth 8.73%, delinquency 1.45%, ROA -0.07%, loan-to-share 100.76%.
What happens to my money if University Credit Union fails?
For Q2 2026, University Credit Union held $990.9M in shares and deposits for 60,212 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.