State credit union · CONCORD, California · NCUA charter #65155
United Association
Health score 94/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 94
- Health / 100
- $13.7M
- Total assets
- 2,129
- Members
- 17.2%
- Net-worth ratio
United Association - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #65155, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
United Association - Five Health Pillars
Every bar shows this credit union's 0-100 sub-score for one pillar of the composite; weight and add the five and you land on the headline health score above, drawn from the same NCUA 5300 figures with no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)100
- Earnings (ROA)100
- Member growth68
- Liquidity (loan-to-share)93
Weighted composite: 94/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
17.22% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 17.22% | 30% |
| Delinquency Rate | 0.00% | 25% |
| Return on Assets | 1.62% | 15% |
| Member Growth | 1.00% | 15% |
| Loan-to-Share Ratio | 65.02% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $13.7M | 2,129 |
| 2024Q4 | $13.1M | 2,108 |
| 2023Q4 | $12.5M | 2,069 |
Credit Union Details
- Charter Number
- 65155
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- California
- City
- CONCORD
- Data Quarter
- 2025Q4
What This Data Says About United Association
2,129 members and $13.7M in total assets sit behind United Association, a state credit union in CONCORD, California, which posts a health score of 94/100 (Excellent) on the five-factor composite, with $7.3M in outstanding loans as of Q4 2025 and a net worth ratio of 17.22% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #65155 in peer group $10M–$50M, a cohort of 1163 similarly-sized institutions.
On loan book quality: 0.00% of loans are 60+ days past due against the total loan book - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running tighter than peers. Meanwhile a 65.02% loan-to-share ratio shows how aggressively member deposits get deployed into lending, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at 1.62% on net income of $222K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 1.00%. The quarterly NCUA 5300 Call Report is the source for everything above, current through 2025Q4. Field of membership (currently: Other) decides eligibility to join. NCUSIF deposit-insurance coverage and usage guidance for this data live on our disclaimer page.
Nearby Credit Unions in California
A look at other California credit unions, ranked by how closely their peer group and asset size match this one.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is United Association financially healthy?
United Association has a financial health score of 94/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 17.22% and delinquency rate of 0.00%.
How does United Association compare to other credit unions?
Five weighted metrics from NCUA filings produce United Association's 94/100 score on PlainCU's health composite, compared to a peer group average for $10M–$50M 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 United Association?
Membership eligibility for United Association depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact United Association directly for current membership requirements and application steps.
Is my money safe at United Association?
Federal credit unions like United Association 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. United Association's net worth ratio of 17.22% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does United Association offer compared to banks?
Credit unions like United Association 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 United Association directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
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.