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
- NW 79/100
- DELQ 8.9%
- ROA 0.24%
- ASSETS 0.08%
- MEM $33.9M
- RANK 2,300
- PHOTO #2,900/4,374
- BOOK Greater Central Texas
- CHARTER 61085
Call Report peers
Utility District in the assets neighbourhood
Utility District's $33.9M assets sit next to Greater Central Texas ($33.9M) 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.
Utility District 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
79 33rd percentile higher than 33% 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
Utility District - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #61085: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
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).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for CA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How Utility District's 5300 filing moved
Utility District: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.5% from $33.9M (2025Q4) to $34.1M (2026Q1).
- Net-worth ratio shifted +0.10 pp (8.83% → 8.93%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 79.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
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
Two NCUA Call Report peer sets for Utility District, both outside California so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($33.9M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (79/100 here).
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
- 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 Utility District financially healthy?
Utility District scores 79/100 (Very Good) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,900 of 4,374; by total assets it ranks #2,748 of 4,374 nationally (same basis as /rankings/largest); and #199 of 243 within California. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 8.93% net worth ratio and a 0.24% delinquency rate.
How does Utility District compare to other credit unions?
Utility District scores 79/100 on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), and 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 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?
Federal credit unions like Utility District 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. Utility District's net worth ratio of 8.93% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Utility District offer compared to banks?
Credit unions like Utility District 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 Utility District 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.