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Overview / Commentary
3650 E Ashlan Ave
Fresno, CA 93726

United Local Credit Union is headquartered in Fresno and is the 145th largest credit union in the state of California. It is also the 1,432nd largest credit union in the nation. It was established in 1953 and as of March of 2014, it had grown to 22 employees and 12,275 members. United Local Credit Union has a A health rating.

Field of Membership Restrictions

Must live, work or worship in Fresno or Merced County. Also open to members of any union local affiliated with the Central Labor Council from the counties of Fresno, Madera, Tulare, Kings, Merced or Mariposa. - See Details

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Data for Q1 2014

Institution Health


Texas Ratio


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 United Local Credit Union had $470,000 in non-current loans and owned real-estate with $19.73 million in equity and loan loss allowances on hand to cover it. This gives United Local Credit Union a Texas Ratio of 2.38% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for United Local Credit Union decreased dramatically from 3.51% as of March 31, 2013 to 2.38% as of March 31, 2014, resulting in a positive change of 32.17%.This indicates that the balance sheet and financial strength for United Local Credit Union has improved dramatically in recent periods.

Deposit Growth


In the past year, United Local Credit Union has decreased its total deposits by $-834,000, resulting in -0.91% 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 United Local Credit Union has shown is average.



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. United Local Credit Union has $109.79 million in assets with $19.73 million in equity, resulting in a capitalization level of 17.97%, which is excellent.

Institution Statistics

NCUA #60408
Year Chartered1953
Primary Regulator
Assets and Liabilities
Assets$109.79 million
Loans$75.57 million
Deposits$90.40 million
Equity Capital$18.11 million
Loan Loss Allowance$1.62 million
Unbacked Noncurrent Loans$25,000
Real Estate Owned$445,000
Historic Data - March 2013
Assets$109.82 million
Equity Capital$17.44 million
Loan Loss Allowance$1.70 million
Unbacked Noncurrent Loans$25,000
Real Estate Owned$445,000
Profit Margin - Quarterly
Return on Assets0.51%
Return on Equity3.07%
Interest Income$979,000

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United Local Credit Union Savings Account Rates

0.49%--Christmas Club
0.49%--Club Account
0.20%$5k-Regular Shares

United Local Credit Union Money Market Rates

0.30%$10k-Money Market Shares

United Local Credit Union Checking Account Rates

0.10%$500-Share Draft (Checking)

United Local Credit Union CD Rates

0.79%$10k-24 Month CD
0.69%$10k-18 Month CD
0.49%$100k-6 Month CD
0.49%$10k-12 Month CD

United Local Credit Union Locations
Branch Office3650 E Ashlan AveFresno, CA 93726
Branch Office1755 W Bullard AveFresno, CA 93711-2367