State credit union · CONCORD, California · NCUA charter #65155
United Association
Health score 94/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 94
- Health / 100
- $13.7M
- Total assets
- 2,129
- Members
- 16.9%
- Net-worth ratio
United Association scores 94/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $13.7M; members 2,129; net-worth ratio 16.93%; health rank #458 of 4,374; healthier than 87th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#458 of 4,374 health · 2025Q4United Association · health 94/100 · $13.7M · 2025Q4
Call Report peers
United Association in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
United Association vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); United Association sits in 90-94 with 747 others.
94 Top 13% higher than 87% 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 United Association
- Strongest edge vs 1163 $10M–$50M peers is Loan-to-Share Ratio: +5.22 pp (65.02% vs 59.80%).
United Association in California
- Health composite ranks #34 of 243 among scored California credit unions.
- Assets rank #222 of 243 inside California ($13.7M reported).
- Member book place in California: #197 of 243.
- One place up in California, Redlands City Employees (#33) ties at 94/100; one place down, Educational Employees (#35) ties at 94/100.
How United Association's 5300 filing moved
United Association: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +4.6% from $13.7M (2025Q4) to $14.3M (2026Q1).
- Net-worth ratio shifted -1.07 pp (18.00% → 16.93%).
16.93% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 94/100 score is built
United Association gives up 6 points in total. Member Growth costs the most, 4.8 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 10.2 pts
- Loan-to-Share Ratio 13.8 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 16.93% | +2.07 pp |
| Delinquency Rate | 0.00% | -1.15 pp |
| Return on Assets | 1.62% | +0.92 pp |
| Member Growth | 1.00% | - |
| Loan-to-Share Ratio | 65.02% | +5.22 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
United Association filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $14.3M | - |
| 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
Branch Locations (2)
Per its most recent NCUA branch filing, United Association runs 2 offices in 2 different cities across 2 states.
| Office | City |
|---|---|
| LOCATION OF RECORDS (Main Office) | Concord, CA |
| VITAL RECORDS CENTER | BROOKFIELD, WI |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
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.
Cross-state Call Report peers for United Association
Similar total assets
Similar health score
Using this data
- United Association ranks #458 of 4,374 nationally on financial health and #34 of 243 in CA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Atchison Village is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Atchison Village
Frequently Asked Questions
Is United Association financially healthy?
United Association has a financial health score of 94/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #458 of 4,374 nationally on health and #34 of 243 in California. Its net worth ratio is 16.93% and its delinquency rate 0.00%.
How does United Association compare to other credit unions?
United Association scores 94/100, higher than 87% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (65.02% vs 59.80%).
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?
United Association 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. United Association's net worth ratio of 16.93% 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.