TellerScore

Headquartered in Livermore, California, Uncle Credit Union is a federally insured state-chartered credit union with $716.1M in total assets and $644.9M in member shares and deposits as of Q2 2026. It operates 5 offices. Its charter dates back to 1957.

Based on its Q2 2026 filing, Uncle Credit Union scores 54/100, which we describe as below average. That is higher than only 10% of 1,341 credit unions with $100 million – $1 billion. Among 238 credit unions headquartered in California, it ranks 209th. Its strongest component is problem-loan coverage (87/100; 6.4%), and its lowest is earnings (32/100; 0.29%).

TellerScore · Q2 2026

Scorecard

Capital cushion33/100
Net worth ratio: 8.28%
Loan quality80/100
Loans 60+ days delinquent ÷ total loans: 0.60%
Earnings32/100
Return on assets (annualized): 0.29%
Funding & liquidity63/100
Loans ÷ shares: 94.8% · 16.8% uninsured
Problem-loan coverage87/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 6.40%

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 10 points (44 → 54), mostly because the earnings component improved by 20 points.

TellerScore
444954Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202452
Q3 202454
Q4 202449
Q1 202546
Q2 202544
Q3 202546
Q4 202546
Q1 202651
Q2 202654
Net worth ratio
7.00%7.64%8.28%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20247.81%
Q3 20247.74%
Q4 20247.87%
Q1 20257.69%
Q2 20257.26%
Q3 20257.51%
Q4 20257.73%
Q1 20267.92%
Q2 20268.28%
Delinquent loans (60+ days)
0.47%0.79%1.11%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.54%
Q3 20240.47%
Q4 20240.92%
Q1 20250.68%
Q2 20250.87%
Q3 20251.00%
Q4 20251.11%
Q1 20260.67%
Q2 20260.60%
Return on assets
-0.34%-0.01%0.33%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.13%
Q3 20240.33%
Q4 20240.32%
Q1 2025-0.34%
Q2 2025-0.21%
Q3 20250.16%
Q4 20250.20%
Q1 20260.13%
Q2 20260.29%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202654$716.1M8.28%0.60%0.29%94.8%
Q1 202651$738.0M7.92%0.67%0.13%94.7%
Q4 202546$756.9M7.73%1.11%0.20%96.7%
Q3 202546$771.0M7.51%1.00%0.16%98.8%
Q2 202544$774.0M7.26%0.87%-0.21%98.0%
Q1 202546$753.8M7.69%0.68%-0.34%94.6%
Q4 202449$747.6M7.87%0.92%0.32%93.0%
Q3 202454$754.0M7.74%0.47%0.33%90.5%
Q2 202452$729.1M7.81%0.54%0.13%89.5%

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 ratio8.28%
5th
Problem loans0.60%
56th
Net charge-offs1.11%
7th
Return on assets0.29%
17th
Loans to deposits94.8%
8th
Uninsured deposits16.8%
4th
Loan-loss reserves0.00%
50th
Texas ratio6.4%
29th

Similar-size credit unions in California

InstitutionScoreAssetsCapitalProblem loansCompare
Mypoint Credit UnionCredit union San Diego, CA58 out of 100, Moderate$704.5M8.6%0.27%vs
Usc Credit UnionCredit union Los Angeles, CA61 out of 100, Moderate$741.1M10.3%0.73%vs
The First Financial Federal Credit UnionCredit union Pasadena, CA56 out of 100, Moderate$748.3M7.0%0.66%vs
Premier One Credit UnionCredit union San Jose, CA65 out of 100, Moderate$655.7M9.7%0.25%vs
Foothill Federal Credit UnionCredit union Arcadia, CA73 out of 100, Strong$778.6M12.3%0.22%vs
Commonwealth Central Credit UnionCredit union San Jose, CA80 out of 100, Strong$624.9M14.2%0.41%vs

Deposit insurance

Is my money safe at Uncle Credit Union?

Yes. Uncle Credit Union is a federally insured credit union (NCUA charter #64482). 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 16.8% of shares and deposits ($108.1M) 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 8.28%, slightly above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

5 locations

Branches

Uncle Credit Union lists 5 offices in 4 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Uncle Credit Union reported 524 home-loan applications under HMDA (LEI 8945004XZN3PZQZJW178): 271 originated ($68,085,000 total), 119 denied, and 134 withdrawn or closed by the applicant. Its denial rate on decided applications was 30.5%, 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
Uncle Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
64482
RSSD ID
363693
Primary regulator
State + NCUA
Established
1957
Headquarters
2100 Las Positas Ct, Livermore, CA 94551
Employees
104

Quick answers

Uncle Credit Union: common questions

Is Uncle Credit Union NCUA insured?

Yes. Uncle Credit Union is a federally insured credit union (NCUA charter #64482). 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 Uncle Credit Union's TellerScore?

54 out of 100 (Below average), 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 Uncle Credit Union have?

5 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Livermore

InstitutionScoreAssetsCapitalProblem loansCompare
Bank of StocktonBank Stockton, CA94 out of 100, Very strong$5.0B19.9%0.08%vs
Operating Engineers Local Union #3 Federal Credit UnionCredit union Livermore, CA92 out of 100, Very strong$1.7B15.5%0.60%vs
Smw 104 Federal Credit UnionCredit union Livermore, CA89 out of 100, Very strong$117.9M12.7%0.32%vs
Certified Federal Credit UnionCredit union El Monte, CA88 out of 100, Very strong$925.3M20.7%0.37%vs
Mokelumne Federal Credit UnionCredit union Lodi, CA88 out of 100, Very strong$56.9M16.0%0.36%vs
Sea West Coast Guard Federal Credit UnionCredit union Oakland, CA83 out of 100, Strong$377.9M20.2%0.01%vs