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Overview / Commentary
925-447-5001
2100 Las Positas Ct
Livermore, CA 94551

Uncle Credit Union is headquartered in LIVERMORE and is the 97th largest credit union in the state of California. It is also the 711st largest credit union in the nation. It was established in 1957 and as of March of 2014, it had grown to 64 employees and 23,273 members. Uncle Credit Union has a A+ health rating.

Field of Membership Restrictions

We’re open to any and all persons who live, regularly work, currently attend school, or regularly worship in the California counties of Alameda, Contra Costa, Stanislaus and San Joaquin. Employees of any of our Member Companies as well as members of the following Chambers are also eligible to join UNCLE. ** Livermore Chamber of Commerce ** Pleasanton Chamber of Commerce ** Dublin Chamber of Commerce ** San Ramon Chamber of Commerce ** Danville Area Chamber of Commerce ** Tracy Chamber of Commerce - See Details

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Reviews (1)

Uncle Credit Union is Nice Community Bank

I have been a member of Uncle Credit Union since I was a child. My father had an account linked to his employment which gained me access to an account as well. The service is simple, the rates are better than the big box banks and it is no hassle service for regular banking needs. There are not many ATM's but that is to be expected for a Credit Union. I always check with this bank first to see what rates are available and they almost always have the lowest. Since Uncle is a non profit credit union, net profits are used to reduce the fee and loan structure for the other members.



Health

Data for Q1 2014

Institution Health

A+

Texas Ratio

GRADE:
A+

The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Uncle Credit Union had $508,000 in non-current loans and owned real-estate with $31.29 million in equity and loan loss allowances on hand to cover it. This gives Uncle Credit Union a Texas Ratio of 1.62% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
A

The Texas Ratio for Uncle Credit Union decreased dramatically from 2.66% as of March 31, 2013 to 1.62% as of March 31, 2014, resulting in a positive change of 38.94%.This indicates that the balance sheet and financial strength for Uncle Credit Union has improved dramatically in recent periods.

Deposit Growth

GRADE:
A+

In the past year, Uncle Credit Union has increased its total deposits by $15.09 million, resulting in 6.22% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Uncle Credit Union has shown is excellent.

Capitalization

GRADE:
B+

Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Uncle Credit Union has $289.56 million in assets with $31.29 million in equity, resulting in a capitalization level of 10.81%, which is above average.

Institution Statistics

Overall
NCUA #64482
Year Chartered1957
Employees64
Primary Regulator
Assets and Liabilities
Assets$289.56 million
Loans$147.06 million
Deposits$257.65 million
Equity Capital$29.73 million
Loan Loss Allowance$1.56 million
Unbacked Noncurrent Loans$508,000
Real Estate Owned$0
Historic Data - March 2013
Assets$273.91 million
Equity Capital$29.21 million
Loan Loss Allowance$2.08 million
Unbacked Noncurrent Loans$508,000
Real Estate Owned$109,000
Profit Margin - Quarterly
Net Interest Margin1.02%
Return on Assets-0.07%
Return on Equity-0.73%
Interest Income$2.00 million
Rates
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Always verify rates and promotions with the bank or credit union. We are not Uncle Credit Union, we are a rate comparison website and can not provide official rates or promotions.

Uncle Credit Union Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.05%--IRA Savings
0.05%--Holiday Club
0.03%$100-Regular Savings

Uncle Credit Union Money Market Rates

DetailsAPYMINMAXPRODUCT
0.30%$100k-Money Market

Uncle Credit Union CD Rates

DetailsAPYMINMAXPRODUCT
1.80%$5k-60 Month CD
1.10%$5k-48 Month CD
1.00%$5k-36 Month CD
0.45%$5k-24 Month CD
0.35%$5k-18 Month CD
0.35%$100-18 Month Youth CD
0.30%$1,500-12 Month CD
0.30%$100-12 Month Youth CD
0.25%$5k-12 Month CD - Variable
0.15%$1,500-6 Month CD
0.15%$100-6 Month Youth CD
0.08%$1,500-3 Month CD
0.08%$100-3 Month Youth CD

Uncle Credit Union IRA Rates

DetailsAPYMINMAXPRODUCT
1.80%$5k-60 Month IRA CD
1.10%$5k-48 Month IRA CD
1.00%$5k-36 Month IRA CD
0.45%$5k-24 Month IRA CD
0.35%$5k-18 Month IRA CD
0.30%$1,500-12 Month IRA CD
0.25%$5k-12 Month IRA CD - Variable
0.15%$1,500-6 Month IRA CD
0.08%$1,500-3 Month IRA CD
Locations


Uncle Credit Union Locations
Branch Office1829 W 11th StTRACY, CA 95376
Branch Office2100 LAS POSITAS CTLIVERMORE, CA 94551-7301
Branch Office7000 East Ave Bldg 6425LIVERMORE, CA 94550-9698
Branch Office1989 SANTA RITA RDPLEASANTON, CA 94566-4752