United Local Credit Union is a federally insured state-chartered credit union headquartered in Fresno, California, in business for about 73 years. At the end of Q2 2026 it reported $119.3M in total assets and $94.6M in member shares and deposits, with 2 offices.
Based on its Q2 2026 filing, United Local Credit Union scores 79/100, which we describe as strong. That is higher than 76% of 1,341 credit unions with $100 million – $1 billion. Among 238 credit unions headquartered in California, it ranks 61st. Its strongest component is capital cushion (100/100; 20.14%), and its lowest is earnings (18/100; -0.05%).
TellerScore · Q2 2026
Scorecard
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 5 points (84 → 79), mostly because the earnings component weakened by 23 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 82 |
| Q3 2024 | 87 |
| Q4 2024 | 86 |
| Q1 2025 | 85 |
| Q2 2025 | 84 |
| Q3 2025 | 83 |
| Q4 2025 | 83 |
| Q1 2026 | 76 |
| Q2 2026 | 79 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 18.25% |
| Q3 2024 | 18.92% |
| Q4 2024 | 19.27% |
| Q1 2025 | 19.18% |
| Q2 2025 | 19.60% |
| Q3 2025 | 19.84% |
| Q4 2025 | 20.02% |
| Q1 2026 | 19.78% |
| Q2 2026 | 20.14% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.37% |
| Q3 2024 | 0.16% |
| Q4 2024 | 0.24% |
| Q1 2025 | 0.28% |
| Q2 2025 | 0.16% |
| Q3 2025 | 0.23% |
| Q4 2025 | 0.32% |
| Q1 2026 | 0.41% |
| Q2 2026 | 0.20% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.53% |
| Q3 2024 | 0.89% |
| Q4 2024 | 0.87% |
| Q1 2025 | 0.69% |
| Q2 2025 | 0.53% |
| Q3 2025 | 0.58% |
| Q4 2025 | 0.57% |
| Q1 2026 | -0.31% |
| Q2 2026 | -0.05% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 79 | $119.3M | 20.14% | 0.20% | -0.05% | 80.7% |
| Q1 2026 | 76 | $121.1M | 19.78% | 0.41% | -0.31% | 71.8% |
| Q4 2025 | 83 | $120.1M | 20.02% | 0.32% | 0.57% | 75.7% |
| Q3 2025 | 83 | $120.6M | 19.84% | 0.23% | 0.58% | 80.5% |
| Q2 2025 | 84 | $121.1M | 19.60% | 0.16% | 0.53% | 80.5% |
| Q1 2025 | 85 | $123.1M | 19.18% | 0.28% | 0.69% | 77.7% |
| Q4 2024 | 86 | $121.5M | 19.27% | 0.24% | 0.87% | 80.7% |
| Q3 2024 | 87 | $122.8M | 18.92% | 0.16% | 0.89% | 79.4% |
| Q2 2024 | 82 | $124.5M | 18.25% | 0.37% | 0.53% | 80.6% |
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).
Similar-size credit unions in California
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Sea Air Federal Credit UnionCredit union Seal Beach, CA | 64 out of 100, Moderate | $118.8M | 23.4% | 1.87% | vs |
| Smw 104 Federal Credit UnionCredit union Livermore, CA | 89 out of 100, Very strong | $117.9M | 12.7% | 0.32% | vs |
| LA Loma Federal Credit UnionCredit union Loma Linda, CA | 70 out of 100, Strong | $116.6M | 9.7% | 0.22% | vs |
| Thinkwise Federal Credit UnionCredit union San Bernardino, CA | 47 out of 100, Below average | $122.8M | 8.6% | 1.48% | vs |
| Santa Ana Federal Credit UnionCredit union Santa Ana, CA | 90 out of 100, Very strong | $111.6M | 13.5% | 0.06% | vs |
| First California Federal Credit UnionCredit union Fresno, CA | 78 out of 100, Strong | $109.7M | 10.6% | 0.98% | vs |
Deposit insurance
Is my money safe at United Local Credit Union?
Yes. United Local Credit Union is a federally insured credit union (NCUA charter #60408). 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 9.8% of shares and deposits ($9.3M) 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 20.14%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
2 locations
Branches
United Local Credit Union lists 2 offices in 1 city. Most locations:
- Fresno, CA (2)
HMDA 2025
Mortgage lending
In 2025, United Local Credit Union reported 15 home-loan applications under HMDA (LEI 549300SNKDC040FOBU51): 14 originated ($4,560,000 total), 1 denied, and 0 withdrawn or closed by the applicant. Its denial rate on decided applications was 6.7%, 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
- United Local Credit Union
- Type
- Federally insured state-chartered credit union
- NCUA charter #
- 60408
- RSSD ID
- 445991
- Primary regulator
- State + NCUA
- Established
- 1953
- Headquarters
- 3650 E Ashlan Ave, Fresno, CA 93726
- Employees
- 24
Quick answers
United Local Credit Union: common questions
Is United Local Credit Union NCUA insured?
Yes. United Local Credit Union is a federally insured credit union (NCUA charter #60408). 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 Local Credit Union's TellerScore?
79 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 Local Credit Union have?
2 offices as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Fresno
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Fresno Grangers Federal Credit UnionCredit union Fresno, CA | 98 out of 100, Very strong | $25.9M | 24.6% | 0.00% | vs |
| Educational Employees Credit UnionCredit union Fresno, CA | 96 out of 100, Very strong | $5.4B | 14.6% | 0.20% | vs |
| Operating Engineers Local Union #3 Federal Credit UnionCredit union Livermore, CA | 92 out of 100, Very strong | $1.7B | 15.5% | 0.60% | vs |
| Fresno Police Department Credit UnionCredit union Fresno, CA | 89 out of 100, Very strong | $49.5M | 23.3% | 0.06% | vs |
| Murphy BankBank Fresno, CA | 88 out of 100, Very strong | $357.2M | 14.9% | 0.39% | vs |
| Central Valley Firefighters Credit UnionCredit union Fresno, CA | 87 out of 100, Very strong | $49.5M | 13.7% | 0.42% | vs |