Credit Union Safety Analysis
Is Utility District Credit Union Safe? Oakland, California
Based on its Q2 2026 NCUA 5300 call report, Utility District Credit Union has a net worth ratio of 9.34%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.57%, 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, Utility District Credit Union's net worth ratio is 9.34%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 9.34%
- Delinquency ratio (60+ days) (Q2 2026): 0.57%
- Return on assets (Q2 2026): 1.70%
- Loan-to-share ratio (Q2 2026): 27.19%
Utility District Credit Union (NCUA charter 61085, established 1935) reported $34.2M in assets and 2,148 members for Q2 2026 from Oakland, California. It ranks 200 of 238 credit unions in California by total assets. Total assets grew 2.7% from $33.3M on June 30, 2025. It has 118 fewer members than on June 30, 2025 (-5.2%). Its net worth ratio was up 0.68 percentage points from 8.66% on June 30, 2025. New vehicle loans are its largest loan category, $3.6M of $8.4M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.57% 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: 8.93% for Q1 2026; 8.66% 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: 0.05% for Q1 2026; 0.28% 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: 0.58% for Q1 2026; 0.83% 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: 26.22% for Q1 2026; 29.08% for Q2 2025.
Loans by type, Q2 2026
- New vehicle loans: $3.6M
- 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: $691K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $34.2M | 9.34% | 0.57% | 1.70% | 27.19% |
| March 31, 2026 | $34.1M | 8.93% | 0.05% | 0.58% | 26.22% |
| December 31, 2025 | $33.9M | 8.83% | 0.24% | 0.91% | 26.35% |
| September 30, 2025 | $33.5M | 8.74% | 0.23% | 0.52% | 28.57% |
| June 30, 2025 | $33.3M | 8.66% | 0.28% | 0.83% | 29.08% |
| March 31, 2025 | $33.5M | 8.39% | 0.04% | 0.52% | 30.60% |
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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.
Utility District Credit Union profile
Regulator records: NCUA credit union profile (charter 61085) · FFIEC NIC profile (RSSD 367598)
Frequently asked questions
Is Utility District Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Utility District Credit Union's net worth ratio is 9.34%, above the 7% NCUA threshold for well capitalized.
Is Utility District Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Utility District Credit Union is a federally insured credit union (NCUA charter 61085): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Utility District Credit Union's key safety ratios?
For Q2 2026, Utility District Credit Union reports net worth 9.34%, delinquency 0.57%, ROA 1.70%, loan-to-share 27.19%.
What happens to my money if Utility District Credit Union fails?
For Q2 2026, Utility District Credit Union held $30.8M in shares and deposits for 2,148 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.