TellerScore

United Association Credit Union (NCUA charter #65155) is based in Concord, California. Its Q2 2026 call report shows $14.3M in total assets and $11.8M in member shares and deposits and 2 offices across 2 states.

Based on its Q2 2026 filing, United Association Credit Union scores 80/100, which we describe as strong. That is higher than 65% of 2,479 credit unions with under $100 million in assets. Among 238 credit unions headquartered in California, it ranks 56th. Its strongest component is capital cushion (100/100; 17.30%), and its lowest is earnings (21/100; 0.02%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 17.30%
Loan quality85/100
Loans 60+ days delinquent ÷ total loans: 0.45%
Earnings21/100
Return on assets (annualized): 0.02%
Funding & liquidity98/100
Loans ÷ shares: 62.3% · 1.7% uninsured
Problem-loan coverage97/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.34%

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 fell 12 points (92 → 80), mostly because the earnings component weakened by 79 points.

TellerScore
798897Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202492
Q3 202494
Q4 202491
Q1 202596
Q2 202592
Q3 202588
Q4 202597
Q1 202679
Q2 202680
Net worth ratio
7.00%12.59%18.17%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202417.20%
Q3 202416.83%
Q4 202417.02%
Q1 202517.71%
Q2 202517.88%
Q3 202518.17%
Q4 202518.00%
Q1 202616.93%
Q2 202617.30%
Delinquent loans (60+ days)
0.00%0.52%1.05%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.91%
Q3 20240.42%
Q4 20240.69%
Q1 20250.38%
Q2 20250.76%
Q3 20251.05%
Q4 20250.00%
Q1 20260.16%
Q2 20260.45%
Return on assets
-1.15%0.99%3.13%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20243.13%
Q3 20241.71%
Q4 20241.70%
Q1 20252.74%
Q2 20252.07%
Q3 20251.82%
Q4 20251.72%
Q1 2026-1.15%
Q2 20260.02%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202680$14.3M17.30%0.45%0.02%62.3%
Q1 202679$14.3M16.93%0.16%-1.15%60.6%
Q4 202597$13.7M18.00%0.00%1.72%65.0%
Q3 202588$13.3M18.17%1.05%1.82%67.3%
Q2 202592$13.3M17.88%0.76%2.07%68.5%
Q1 202596$13.1M17.71%0.38%2.74%67.6%
Q4 202491$13.1M17.02%0.69%1.70%63.7%
Q3 202494$12.9M16.83%0.42%1.71%61.0%
Q2 202492$12.6M17.20%0.91%3.13%59.9%

2,479 peers · Under $100 million in assets

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 ratio17.30%
66th
Problem loans0.45%
60th
Net charge-offs-0.02%
88th
Return on assets0.02%
20th
Loans to deposits62.3%
45th
Uninsured deposits1.7%
47th
Loan-loss reserves0.00%
37th
Texas ratio1.3%
61st

Similar-size credit unions in California

InstitutionScoreAssetsCapitalProblem loansCompare
L.A. Healthcare Federal Credit UnionCredit union Los Angeles, CA53 out of 100, Below average$14.9M8.3%0.92%vs
Northeast Community Federal Credit UnionCredit union San Francisco, CA100 out of 100, Very strong$15.2M32.6%0.00%vs
Atchison Village Credit UnionCredit union Richmond, CA51 out of 100, Below average$13.3M11.3%2.01%vs
Mid-Cities Credit UnionCredit union Compton, CA54 out of 100, Below average$16.0M7.1%0.69%vs
Espeeco Federal Credit UnionCredit union Bakersfield, CA50 out of 100, Below average$12.0M7.0%0.65%vs
Fontana Federal Credit UnionCredit union Fontana, CA56 out of 100, Moderate$17.5M8.6%1.06%vs

Deposit insurance

Is my money safe at United Association Credit Union?

Yes. United Association Credit Union is a federally insured credit union (NCUA charter #65155). 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 1.7% of shares and deposits ($204K) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 17.30%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

2 locations

Branches

United Association Credit Union lists 2 offices in 2 cities across 2 states. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
United Association Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
65155
RSSD ID
531296
Primary regulator
State + NCUA
Established
1957
Headquarters
935 Detroit Ave, Concord, CA 94518
Employees
2

Quick answers

United Association Credit Union: common questions

Is United Association Credit Union NCUA insured?

Yes. United Association Credit Union is a federally insured credit union (NCUA charter #65155). 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 United Association Credit Union's TellerScore?

80 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 United Association Credit Union have?

2 offices as of the latest NCUA data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Concord

InstitutionScoreAssetsCapitalProblem loansCompare
Northeast Community Federal Credit UnionCredit union San Francisco, CA100 out of 100, Very strong$15.2M32.6%0.00%vs
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
San Francisco Federal Credit UnionCredit union San Francisco, CA86 out of 100, Very strong$1.6B13.6%0.15%vs
San Francisco Lee Federal Credit UnionCredit union San Francisco, CA85 out of 100, Very strong$10.7M53.3%0.00%vs