State credit union · OAKLAND, California · NCUA charter #61085
Utility District
Health score 79/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 79
- Health / 100
- $33.9M
- Total assets
- 2,300
- Members
- 8.9%
- Net-worth ratio
Utility District scores 79/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $33.9M; members 2,300; net-worth ratio 8.93%; health rank #2,900 of 4,374; healthier than 33rd of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#2,900 of 4,374 health · 2025Q4Utility District · health 79/100 · $33.9M · 2025Q4
Call Report peers
Utility District in the assets neighbourhood
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Utility District vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Utility District sits in 75-79 with 502 others.
79 33rd percentile higher than 33% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Utility District: Call Report deltas vs peers
- Largest favorable gap: Delinquency Rate at 0.24% vs peer 1.15% (-0.91 pp).
- Largest lag: Loan-to-Share Ratio at 26.35% vs peer 59.80% (-33.45 pp).
Utility District in California
- In California, health place is #172 of 243 on the same NCUA-ratio sort used nationally.
- Assets rank #199 of 243 inside California ($33.9M reported).
- California membership ordinal: #193 of 243.
- One place up in California, Cal State L.a. (#171) ties at 79/100; one place down, Long Beach City Employees (#173) scores 78/100, 1 point lower.
How Utility District's 5300 filing moved
Utility District: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.5% from $33.9M (2025Q4) to $34.1M (2026Q1).
- Net-worth ratio shifted +0.10 pp (8.83% → 8.93%).
This credit union's 8.93% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 79/100 score is built
Utility District gives up 21 points in total. Return on Assets costs the most, 6.7 of its 15; Delinquency Rate scores full marks.
- Net Worth Ratio 27.3 pts
- Delinquency Rate 25.0 pts
- Return on Assets 8.3 pts
- Member Growth 9.8 pts
- Loan-to-Share Ratio 8.6 pts
Call Report ratios for Utility District
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.93% | -5.93 pp |
| Delinquency Rate | 0.24% | -0.91 pp |
| Return on Assets | 0.08% | -0.62 pp |
| Member Growth | 0.70% | - |
| Loan-to-Share Ratio | 26.35% | -33.45 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Utility District filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $34.1M | - |
| 2025Q4 | $33.9M | 2,300 |
| 2024Q4 | $32.8M | 2,284 |
| 2023Q4 | $36.6M | 2,385 |
Credit Union Details
- Charter Number
- 61085
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- California
- City
- OAKLAND
- Data Quarter
- 2025Q4
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for Utility District, spread across 2 cities.
| Office | City |
|---|---|
| Utility District Credit Union (Main Office) | Oakland, CA |
| BRANCH OFFICE | OAKLAND, 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 Utility District
Similar total assets
Using this data
- Utility District ranks #2,900 of 4,374 nationally on financial health and #172 of 243 in CA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- CORRECTIONS is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with CORRECTIONS
Frequently Asked Questions
Is Utility District financially healthy?
Utility District has a financial health score of 79/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,900 of 4,374 nationally on health and #172 of 243 in California. Its net worth ratio is 8.93% and its delinquency rate 0.24%.
How does Utility District compare to other credit unions?
Utility District scores 79/100, higher than 33% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is delinquency rate (0.24% vs 1.15%). Its widest shortfall is loan-to-share ratio (26.35% vs 59.80%).
How can I join Utility District?
Membership eligibility for Utility District depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Utility District directly for current membership requirements and application steps.
Is my money safe at Utility District?
Utility District 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. Utility District's net worth ratio of 8.93% 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.