Oakland, California · Peer group 3
Utility District Credit Union
Utility District Credit Union holds $34.1M in assets across 2,151 members as of Q1 2026 — about $16K of assets per member, on a charter dating to 1935. Charter number 61085, in the $10M-$50M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $34.1M |
|---|---|
| Total loans | $8.1M |
| Total shares (deposits) | $30.9M |
| Net worth | $3.0M |
| Members | 2,151 |
| Assets per member | $16K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | 1.8% | |
|---|---|---|
| Loans | -13.4% | lower than 90% of its peer group |
| Deposits | 1.1% | around the 49th percentile of its peer group |
| Members | -6.0% | around the 12th percentile 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 | 26.2% | lower than 94% of its peer group |
|---|---|---|
| Net worth ratio | 8.9% | lower than 90% of its peer group |
| Return on assets | 0.58% | around the 46th percentile of its peer group |
| Delinquency ratio | 0.05% | around the 15th percentile of its peer group |
| Cash / assets | 46.0% | higher than 99% of its peer group |
| Borrowings / assets | 0.0% | higher than 98% of its peer group |
What this page does not show
Everything above is Utility District 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.
- Antioch Community Credit Union
Antioch, CA
$34.3M · 1,289 members
- Capstone Credit Union
ALISO VIEJO, CA
$34.6M · 1,773 members
- Greater Valley Credit Union
FRESNO, CA
$33.4M · 2,093 members
- San Mateo City Employees Credit Union
SAN MATEO, CA
$33.3M · 1,046 members
- El Monte Community Credit Union
El Monte, CA
$33.0M · 2,649 members
- Corrections Credit Union
Soledad, CA
$36.4M · 3,620 members
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