TellerScore

University Credit Union (NCUA charter #64171) is based in Los Angeles, California. Its Q2 2026 call report shows $1.2B in total assets and $990.9M in member shares and deposits and 3 offices.

University Credit Union has a TellerScore of 44 out of 100 (below average) based on Q2 2026 data — higher than only 3% of its 454 credit unions with $1 billion – $10 billion. Among 238 credit unions headquartered in California, it ranks 233rd. Problem-loan coverage contributes the most (71/100, 14.3%); earnings contributes the least (21/100, 0.03%).

TellerScore · Q2 2026

Scorecard

Capital cushion37/100
Net worth ratio: 8.73%
Loan quality52/100
Loans 60+ days delinquent ÷ total loans: 1.45%
Earnings21/100
Return on assets (annualized): 0.03%
Funding & liquidity59/100
Loans ÷ shares: 100.8% · 15.0% uninsured
Problem-loan coverage71/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 14.29%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (43 → 44).

TellerScore
434955Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202455
Q3 202453
Q4 202451
Q1 202547
Q2 202543
Q3 202543
Q4 202543
Q1 202647
Q2 202644
Net worth ratio
7.00%8.00%9.00%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20248.85%
Q3 20249.00%
Q4 20249.00%
Q1 20259.00%
Q2 20258.81%
Q3 20258.89%
Q4 20258.75%
Q1 20268.67%
Q2 20268.73%
Delinquent loans (60+ days)
1.08%1.36%1.64%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.08%
Q3 20241.16%
Q4 20241.36%
Q1 20251.25%
Q2 20251.52%
Q3 20251.58%
Q4 20251.64%
Q1 20261.29%
Q2 20261.45%
Return on assets
-0.11%0.44%0.98%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.98%
Q3 20240.67%
Q4 20240.51%
Q1 20250.00%
Q2 2025-0.11%
Q3 2025-0.02%
Q4 20250.05%
Q1 20260.12%
Q2 20260.03%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202644$1.2B8.73%1.45%0.03%100.8%
Q1 202647$1.2B8.67%1.29%0.12%100.7%
Q4 202543$1.2B8.75%1.64%0.05%101.6%
Q3 202543$1.1B8.89%1.58%-0.02%101.9%
Q2 202543$1.2B8.81%1.52%-0.11%99.8%
Q1 202547$1.1B9.00%1.25%0.00%98.8%
Q4 202451$1.1B9.00%1.36%0.51%98.3%
Q3 202453$1.1B9.00%1.16%0.67%102.3%
Q2 202455$1.2B8.85%1.08%0.98%105.7%

454 peers · $1 billion – $10 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 ratio8.73%
8th
Problem loans1.45%
11th
Net charge-offs0.78%
26th
Return on assets0.03%
2nd
Loans to deposits100.8%
12th
Uninsured deposits15.0%
13th
Loan-loss reserves0.00%
50th
Texas ratio14.3%
6th

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InstitutionScoreAssetsCapitalProblem loansCompare
Safe 1 Credit UnionCredit union Bakersfield, CA90 out of 100, Very strong$1.2B16.0%0.37%vs
Honda Federal Credit UnionCredit union Torrance, CA62 out of 100, Moderate$1.2B9.3%0.34%vs
Valley First Federal Credit UnionCredit union Modesto, CA62 out of 100, Moderate$1.1B9.8%0.71%vs
Blupeak Credit UnionCredit union San Diego, CA56 out of 100, Moderate$1.1B9.7%1.03%vs
Sesloc Credit UnionCredit union San Luis Obispo, CA64 out of 100, Moderate$1.3B9.4%0.40%vs
1st United Credit UnionCredit union Pleasanton, CA77 out of 100, Strong$1.3B12.2%0.25%vs

Deposit insurance

Is my money safe at University Credit Union?

Yes. University Credit Union is a federally insured credit union (NCUA charter #64171). 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 15.0% of shares and deposits ($148.1M) are above the $250,000 NCUA insurance limit, above the peer median of 9%. Insured balances are protected regardless of the score.

The net worth ratio is 8.73%, slightly above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

3 locations

Branches

University Credit Union lists 3 offices in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
University Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
64171
RSSD ID
321899
Primary regulator
State + NCUA
Established
1950
Headquarters
1500 S Sepulveda Blvd, Los Angeles, CA 90025
Employees
122

Quick answers

University Credit Union: common questions

Is University Credit Union NCUA insured?

Yes. University Credit Union is a federally insured credit union (NCUA charter #64171). 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 University Credit Union's TellerScore?

44 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 University Credit Union have?

3 offices as of the latest NCUA data.

Nearby

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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
Malaga Bank F.S.B.Bank Palos Verdes Peninsula, CA88 out of 100, Very strong$1.4B16.8%0.00%vs