TellerScore

Utility District Credit Union is a federally insured state-chartered credit union headquartered in Oakland, California, in business for about 91 years. At the end of Q2 2026 it reported $34.2M in total assets and $30.8M in member shares and deposits, with 2 offices.

Based on its Q2 2026 filing, Utility District Credit Union scores 71/100, which we describe as strong. That is higher than only 42% of 2,479 credit unions with under $100 million in assets. Among 238 credit unions headquartered in California, it ranks 111th. Its strongest component is funding & liquidity (100/100; 27% loans-to-deposits, 6% uninsured), and its lowest is capital cushion (43/100; 9.34%).

TellerScore · Q2 2026

Scorecard

Capital cushion43/100
Net worth ratio: 9.34%
Loan quality81/100
Loans 60+ days delinquent ÷ total loans: 0.57%
Earnings66/100
Return on assets (annualized): 1.14%
Funding & liquidity100/100
Loans ÷ shares: 27.2% · 6.2% uninsured
Problem-loan coverage97/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.49%

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 3 points (68 → 71), mostly because the earnings component improved by 19 points.

TellerScore
586571Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202458
Q3 202460
Q4 202465
Q1 202568
Q2 202568
Q3 202568
Q4 202569
Q1 202670
Q2 202671
Net worth ratio
7.00%8.17%9.34%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20247.80%
Q3 20248.00%
Q4 20248.43%
Q1 20258.39%
Q2 20258.66%
Q3 20258.74%
Q4 20258.83%
Q1 20268.93%
Q2 20269.34%
Delinquent loans (60+ days)
0.04%0.30%0.57%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.23%
Q3 20240.21%
Q4 20240.04%
Q1 20250.04%
Q2 20250.28%
Q3 20250.23%
Q4 20250.24%
Q1 20260.05%
Q2 20260.57%
Return on assets
-0.23%0.45%1.14%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 2024-0.23%
Q3 2024-0.12%
Q4 20240.09%
Q1 20250.52%
Q2 20250.67%
Q3 20250.62%
Q4 20250.68%
Q1 20260.58%
Q2 20261.14%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202671$34.2M9.34%0.57%1.14%27.2%
Q1 202670$34.1M8.93%0.05%0.58%26.2%
Q4 202569$33.9M8.83%0.24%0.68%26.4%
Q3 202568$33.5M8.74%0.23%0.62%28.6%
Q2 202568$33.3M8.66%0.28%0.67%29.1%
Q1 202568$33.5M8.39%0.04%0.52%30.6%
Q4 202465$32.8M8.43%0.04%0.09%33.7%
Q3 202460$33.9M8.00%0.21%-0.12%34.6%
Q2 202458$34.6M7.80%0.23%-0.23%35.8%

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 ratio9.34%
11th
Problem loans0.57%
55th
Net charge-offs0.22%
45th
Return on assets1.14%
73rd
Loans to deposits27.2%
91st
Uninsured deposits6.2%
16th
Loan-loss reserves0.00%
37th
Texas ratio1.5%
59th

Similar-size credit unions in California

InstitutionScoreAssetsCapitalProblem loansCompare
Greater Valley Credit UnionCredit union Fresno, CA87 out of 100, Very strong$34.4M14.4%0.00%vs
El Monte Community Credit UnionCredit union El Monte, CA76 out of 100, Strong$34.4M10.4%0.06%vs
Antioch Community Federal Credit UnionCredit union Antioch, CA79 out of 100, Strong$33.8M15.2%1.53%vs
Hanin Federal Credit UnionCredit union Los Angeles, CA69 out of 100, Moderate$32.4M13.8%1.07%vs
Corrections Federal Credit UnionCredit union Soledad, CA58 out of 100, Moderate$36.1M8.5%0.07%vs
Capstone Federal Credit UnionCredit union Aliso Viejo, CA62 out of 100, Moderate$31.9M12.8%1.69%vs

Deposit insurance

Is my money safe at Utility District Credit Union?

Yes. Utility District Credit Union is a federally insured credit union (NCUA charter #61085). 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 6.2% of shares and deposits ($1.9M) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 9.34%, 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

Utility District Credit Union lists 2 offices in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Utility District Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
61085
RSSD ID
367598
Primary regulator
State + NCUA
Established
1935
Headquarters
375 11th St Ste 203, Oakland, CA 94607
Employees
6

Quick answers

Utility District Credit Union: common questions

Is Utility District Credit Union NCUA insured?

Yes. Utility District Credit Union is a federally insured credit union (NCUA charter #61085). 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 Utility District Credit Union's TellerScore?

71 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 Utility District Credit Union have?

2 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Oakland

InstitutionScoreAssetsCapitalProblem loansCompare
Northeast Community Federal Credit UnionCredit union San Francisco, CA100 out of 100, Very strong$15.2M32.6%0.00%vs
Operating Engineers Local Union #3 Federal Credit UnionCredit union Livermore, CA92 out of 100, Very strong$1.7B15.5%0.60%vs
San Mateo City Employees Federal Credit UnionCredit union San Mateo, CA87 out of 100, Very strong$31.8M18.4%0.00%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
Sea West Coast Guard Federal Credit UnionCredit union Oakland, CA83 out of 100, Strong$377.9M20.2%0.01%vs