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
- CHARTER 71/100
- NCUSIF 7.9%
- CAMELS 1.11%
- HEALTH 0.31%
- NW $756.9M
- DELQ 37,000
- ROA #3,562/4,374
- ASSETS Sea Comm
- MEM 64482
Call Report peers
UNCLE in the assets neighbourhood
UNCLE's $756.9M assets sit next to Sea Comm ($756.7M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
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
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
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
UNCLE - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #64482 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
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%).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for CA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for UNCLE
UNCLE: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -2.5% from $756.9M (2025Q4) to $738.0M (2026Q1).
- Net-worth ratio shifted +0.19 pp (7.73% → 7.92%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 71.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
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
Cross-state asset and health neighbours for UNCLE - kept outside California; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($756.9M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (71/100 here).
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
- Rates and health both vary by institution, not just by state -- see how California credit unions compare overall before assuming this one is typical. California state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is UNCLE financially healthy?
UNCLE has a financial health score of 71/100 (Very Good) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,562 of 4,374; by total assets it ranks #578 of 4,374 nationally (same basis as /rankings/largest); and #79 of 243 within California. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 7.92% and delinquency rate of 1.11%.
How does UNCLE compare to other credit unions?
Five weighted metrics from NCUA filings produce UNCLE's 71/100 score on PlainCU's health composite, compared to a peer group average for Over $500M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
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?
Federal credit unions like UNCLE are 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."
What rates does UNCLE offer compared to banks?
Credit unions like UNCLE are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact UNCLE directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.