State credit union · Fresno, California · NCUA charter #60408
United Local
Health score 85/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 85
- Health / 100
- $120.1M
- Total assets
- 7,758
- Members
- 19.8%
- Net-worth ratio
United Local scores 85/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $120.1M; members 7,758; net-worth ratio 19.78%; health rank #1,888 of 4,374; healthier than 54th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#1,888 of 4,374 health · 2025Q4United Local · health 85/100 · $120.1M · 2025Q4
Call Report peers
United Local in the assets neighbourhood
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United Local vs every NCUA-scored credit union
United Local sits in the busiest band, 85-89, alongside 857 other credit unions.
85 Top 46% higher than 54% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Where United Local diverges from peer averages
- Strongest edge vs 1069 $100M–$500M peers is Net Worth Ratio: +7.67 pp (19.78% vs 12.11%).
United Local: in-state Call Report ranks
- California health ordinal: #113 of 243.
- By total assets, United Local is #139 of 243 in California.
- California membership ordinal: #137 of 243.
- One place up in California, Delancey Street (#112) ties at 85/100; one place down, Mojave Plant Employees (#114) ties at 85/100.
Quarter path for United Local
United Local: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.8% from $120.1M (2025Q4) to $121.1M (2026Q1).
- Net-worth ratio shifted -0.24 pp (20.02% → 19.78%).
19.78% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 85/100 score is built
United Local gives up 15 points in total. Member Growth costs the most, 15 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 15.0 pts
United Local health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 19.78% | +7.67 pp |
| Delinquency Rate | 0.32% | -0.58 pp |
| Return on Assets | 0.88% | +0.25 pp |
| Member Growth | -5.61% | - |
| Loan-to-Share Ratio | 75.70% | +3.50 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
United Local filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $121.1M | - |
| 2025Q4 | $120.1M | 7,758 |
| 2024Q4 | $121.5M | 8,219 |
| 2023Q4 | $123.7M | 8,579 |
Credit Union Details
- Charter Number
- 60408
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- California
- City
- Fresno
- Data Quarter
- 2025Q4
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for United Local.
| Office | City |
|---|---|
| United Local Credit Union (Main Office) | Fresno, CA |
| Bullard | Fresno, 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.
United Local nationwide neighbourhoods
Using this data
- United Local ranks #1,888 of 4,374 nationally on financial health and #113 of 243 in CA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- THINKWISE is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with THINKWISE
Frequently Asked Questions
Is United Local financially healthy?
United Local has a financial health score of 85/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,888 of 4,374 nationally on health and #113 of 243 in California. Its net worth ratio is 19.78% and its delinquency rate 0.32%.
How does United Local compare to other credit unions?
United Local scores 85/100, higher than 54% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is net worth ratio (19.78% vs 12.11%).
How can I join United Local?
Membership eligibility for United Local depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact United Local directly for current membership requirements and application steps.
Is my money safe at United Local?
United Local 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 Local's net worth ratio of 19.78% 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.