Fresno, California · Peer group 5
United Local Credit Union
United Local Credit Union holds $121.1M in assets across 7,613 members as of Q1 2026 — about $16K of assets per member, on a charter dating to 1953. Charter number 60408, in the $100M-$500M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $121.1M |
|---|---|
| Total loans | $69.3M |
| Total shares (deposits) | $96.4M |
| Net worth | $24.0M |
| Members | 7,613 |
| Assets per member | $16K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | -1.7% | |
|---|---|---|
| Loans | -9.8% | lower than 97% of its peer group |
| Deposits | -2.5% | lower than 91% of its peer group |
| Members | -6.4% | lower than 93% of its peer group |
Ratios and peer position
Each ratio is shown against its percentile rank within this institution's own peer group. The absolute number is rarely the interesting part — a 96% loan-to-share is unremarkable in one peer group and an outlier in another.
| Loan-to-share | 71.8% | around the 50th percentile of its peer group |
|---|---|---|
| Net worth ratio | 19.8% | higher than 97% of its peer group |
| Return on assets | -0.31% | lower than 96% of its peer group |
| Delinquency ratio | 0.41% | around the 32nd percentile of its peer group |
| Cash / assets | 11.8% | around the 63rd percentile of its peer group |
| Borrowings / assets | 0.0% | around the 40th percentile of its peer group |
What this page does not show
Everything above is United Local Credit Union’s own reported position. What a CUSignals subscription adds is the layer on top of it: a merger-susceptibility score and calibrated one-year probability, a franchise-value score, a liquidity-stress score and funding-need flag, participation buyer/seller classification, and buying-propensity scores across five software categories — each with the plain-English reason it moved, and each decomposable into the weights that produced it.
Similar credit unions
Closest in size within California — the comparison set a peer ratio is measured against.
- Thinkwise Credit Union
San Bernardino, CA
$121.2M · 6,196 members
- Sea Air Credit Union
Seal Beach, CA
$118.2M · 6,277 members
- SMW 104 Credit Union
Livermore, CA
$116.8M · 10,986 members
- La Loma Credit Union
Loma Linda, CA
$114.3M · 6,971 members
- Santa Ana Credit Union
Santa Ana, CA
$112.5M · 5,368 members
- Rancho Credit Union
DOWNEY, CA
$110.3M · 6,989 members
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