State credit union · LIVERMORE, California · NCUA charter #64482
UNCLE
Health score 71/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 71
- Health / 100
- $756.9M
- Total assets
- 37,000
- Members
- 7.9%
- Net-worth ratio
UNCLE scores 71/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $756.9M; members 37,000; net-worth ratio 7.92%; health rank #3,562 of 4,374; healthier than 18th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#3,562 of 4,374 health · 2025Q4UNCLE · health 71/100 · $756.9M · 2025Q4
Call Report peers
UNCLE in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
UNCLE vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); UNCLE sits in 70-74 with 317 others.
71 18th percentile higher than 18% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Peer-gap read for UNCLE
- Largest favorable gap: Loan-to-Share Ratio at 96.71% vs peer 83.90% (+12.81 pp).
- Widest shortfall vs peers is Net Worth Ratio: -3.26 pp (7.92% vs 11.18%).
UNCLE in California
- California health ordinal: #207 of 243.
- By total assets, UNCLE is #79 of 243 in California.
- California membership ordinal: #77 of 243.
- One place up in California, Inland Valley (#206) ties at 71/100; one place down, POLAM (#208) scores 70/100, 1 point lower.
Quarter path for UNCLE
UNCLE: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -2.5% from $756.9M (2025Q4) to $738.0M (2026Q1).
- Net-worth ratio shifted +0.19 pp (7.73% → 7.92%).
7.92% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 71/100 score is built
UNCLE gives up 29 points in total. Member Growth costs the most, 12.4 of its 15; Return on Assets loses the least, 2.8.
- Net Worth Ratio 24.8 pts
- Delinquency Rate 19.2 pts
- Return on Assets 12.2 pts
- Member Growth 2.6 pts
- Loan-to-Share Ratio 12.2 pts
UNCLE health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 7.92% | -3.26 pp |
| Delinquency Rate | 1.11% | +0.24 pp |
| Return on Assets | 0.31% | -0.20 pp |
| Member Growth | -3.58% | - |
| Loan-to-Share Ratio | 96.71% | +12.81 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
Call Report history - UNCLE
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $738.0M | - |
| 2025Q4 | $756.9M | 37,000 |
| 2024Q4 | $747.6M | 38,375 |
| 2023Q4 | $726.0M | 35,938 |
Credit Union Details
- Charter Number
- 64482
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- California
- City
- LIVERMORE
- Data Quarter
- 2025Q4
Branch Locations (5)
The NCUA branch filing lists 5 physical offices for UNCLE, spread across 4 cities.
| Office | City |
|---|---|
| MAIN OFFICE (Main Office) | LIVERMORE, CA |
| LAB OFFICE | LIVERMORE, CA |
| PLEASANTON BRANCH | PLEASANTON, CA |
| Stonecreek | Stockton, CA |
| TRACY BRANCH | TRACY, CA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in California
More federally-insured credit unions based in California, ordered by peer group match and asset size.
Cross-state Call Report peers for UNCLE
Similar total assets
Similar health score
Using this data
- UNCLE ranks #3,562 of 4,374 nationally on financial health and #207 of 243 in CA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- FOOTHILL is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with FOOTHILL
Frequently Asked Questions
Is UNCLE financially healthy?
On its 2025Q4 NCUA 5300 filing, UNCLE scores 71/100 (Very Good), with a 7.92% net worth ratio and 1.11% of loans delinquent. It ranks #3,562 of 4,374 nationally on health and #207 of 243 in California.
How does UNCLE compare to other credit unions?
UNCLE scores 71/100, higher than 18% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (96.71% vs 83.90%). Its widest shortfall is net worth ratio (7.92% vs 11.18%).
How can I join UNCLE?
Membership eligibility for UNCLE depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact UNCLE directly for current membership requirements and application steps.
Is my money safe at UNCLE?
UNCLE is a state-chartered credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. UNCLE's net worth ratio of 7.92% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.