TellerScore

Headquartered in Burbank, California, Ume Federal Credit Union is a federal credit union with $327.9M in total assets and $296.7M in member shares and deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1940.

Ume Federal Credit Union has a TellerScore of 74 out of 100 (strong) based on Q2 2026 data — higher than 63% of its 1,341 credit unions with $100 million – $1 billion. Among 238 credit unions headquartered in California, it ranks 94th. Funding & liquidity contributes the most (99/100, 57% loans-to-deposits, 17% uninsured); capital cushion contributes the least (49/100, 9.86%).

TellerScore · Q2 2026

Scorecard

Capital cushion49/100
Net worth ratio: 9.86%
Loan quality82/100
Loans 60+ days delinquent ÷ total loans: 0.54%
Earnings72/100
Return on assets (annualized): 1.29%
Funding & liquidity99/100
Loans ÷ shares: 56.7% · 16.6% uninsured
Problem-loan coverage94/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.80%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 8 points (66 → 74), mostly because the earnings component improved by 38 points.

TellerScore
626874Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202464
Q3 202464
Q4 202462
Q1 202566
Q2 202566
Q3 202567
Q4 202569
Q1 202673
Q2 202674
Net worth ratio
7.00%8.43%9.86%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20248.11%
Q3 20248.10%
Q4 20247.91%
Q1 20258.36%
Q2 20258.50%
Q3 20258.56%
Q4 20258.86%
Q1 20269.29%
Q2 20269.86%
Delinquent loans (60+ days)
0.04%0.29%0.54%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.04%
Q3 20240.05%
Q4 20240.18%
Q1 20250.11%
Q2 20250.07%
Q3 20250.15%
Q4 20250.19%
Q1 20260.18%
Q2 20260.54%
Return on assets
0.13%0.71%1.29%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.13%
Q3 20240.14%
Q4 20240.15%
Q1 20250.34%
Q2 20250.36%
Q3 20250.51%
Q4 20250.70%
Q1 20261.02%
Q2 20261.29%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202674$327.9M9.86%0.54%1.29%56.7%
Q1 202673$334.1M9.29%0.18%1.02%55.0%
Q4 202569$340.7M8.86%0.19%0.70%53.5%
Q3 202567$340.2M8.56%0.15%0.51%53.2%
Q2 202566$334.2M8.50%0.07%0.36%52.6%
Q1 202566$336.4M8.36%0.11%0.34%52.8%
Q4 202462$351.5M7.91%0.18%0.15%54.5%
Q3 202464$341.5M8.10%0.05%0.14%56.7%
Q2 202464$339.2M8.11%0.04%0.13%56.8%

1,341 peers · $100 million – $1 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio9.86%
26th
Problem loans0.54%
61st
Net charge-offs0.47%
38th
Return on assets1.29%
82nd
Loans to deposits56.7%
82nd
Uninsured deposits16.6%
4th
Loan-loss reserves0.00%
50th
Texas ratio2.8%
65th

Similar-size credit unions in California

InstitutionScoreAssetsCapitalProblem loansCompare
Downey Federal Credit UnionCredit union Downey, CA59 out of 100, Moderate$327.9M8.8%0.52%vs
Families and Schools Together Federal Credit UnionCredit union Hanford, CA92 out of 100, Very strong$329.6M20.0%0.37%vs
Tucoemas Federal Credit UnionCredit union Visalia, CA74 out of 100, Strong$332.0M10.3%1.25%vs
Sag-Aftra Federal Credit UnionCredit union Burbank, CA81 out of 100, Strong$335.6M13.1%0.63%vs
Strata Federal Credit UnionCredit union Bakersfield, CA78 out of 100, Strong$344.5M14.2%0.23%vs
Santa Barbara Teachers Federal Credit UnionCredit union Santa Barbara, CA88 out of 100, Very strong$308.5M13.8%0.01%vs

Deposit insurance

Is my money safe at Ume Federal Credit Union?

Yes. Ume Federal Credit Union is a federally insured credit union (NCUA charter #3945). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 16.6% of shares and deposits ($49.1M) are above the $250,000 NCUA insurance limit, above the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 9.86%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

Ume Federal Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Ume Federal Credit Union reported 108 home-loan applications under HMDA (LEI 549300Q6TVHCCFZ5R384): 94 originated ($27,050,000 total), 4 denied, and 4 withdrawn or closed by the applicant. Its denial rate on decided applications was 3.8%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Ume Federal Credit Union
Type
Federal credit union
NCUA charter #
3945
RSSD ID
439477
Primary regulator
NCUA
Established
1940
Headquarters
P.O. Box 7767, Burbank, CA 91510
Employees
38

Quick answers

Ume Federal Credit Union: common questions

Is Ume Federal Credit Union NCUA insured?

Yes. Ume Federal Credit Union is a federally insured credit union (NCUA charter #3945). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Ume Federal Credit Union's TellerScore?

74 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Ume Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Burbank

InstitutionScoreAssetsCapitalProblem loansCompare
The Bank of New York Mellon Trust Company, National AssociationBank Los Angeles, CA100 out of 100, Very strong$1.4B63.5%0.00%vs
Sunkist Employees Federal Credit UnionCredit union Valencia, CA100 out of 100, Very strong$3.8M33.6%0.00%vs
California Adventist Federal Credit UnionCredit union Glendale, CA89 out of 100, Very strong$44.7M20.1%0.04%vs
Asian Pacific National BankBank San Gabriel, CA89 out of 100, Very strong$56.9M20.1%0.00%vs
Hana Bank USA, National AssociationBank Fort Lee, NJ88 out of 100, Very strong$835.2M25.4%0.00%vs
American Plus Bank, N.A.Bank Arcadia, CA88 out of 100, Very strong$935.0M16.5%0.04%vs