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Overview / Commentary
9925 Painter Ave Ste D
Whittier, CA 90605

United Financial CU is headquartered in Whittier and is the 223rd largest credit union in the state of California. It is also the 2,653rd largest credit union in the nation. It was established in 1965 and as of June of 2016, it had grown to 9 employees and 2,451 members at 1 location. United Financial CU has a B+ health rating.

Field of Membership Restrictions

Membership is open to current or retired federal employees who live or work in the Los Angeles area, employees of the YMCA in California and select states.
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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. United Financial CU has a low asset base, and a negative return on assets.

Health Grade Components

NCUA #64382
Year Chartered1965
Primary Regulator
Profit Margin
Return on Assets - YTD-2.21%
Return on Equity - YTD-15.3%
Annual Interest Income$637.00K
Assets and Liabilities
AssetsQ2 2016vs Q2 2015$37.2MM$36.7MM
LoansQ2 2016vs Q2 2015$22.0MM$20.5MM
DepositsQ2 2016vs Q2 2015$31.5MM$30.7MM
Equity CapitalQ2 2016vs Q2 2015$5.4MM$5.8MM
Loan Loss AllowanceQ2 2016vs Q2 2015$770.00K$494.00K
Unbacked Noncurrent LoansQ2 2016vs Q2 2015$17.00K$477.00K
Real Estate OwnedQ2 2016vs Q2 2015$0$626.00K
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

United Financial CU Savings Account Rates

0.30%$250-Individual Retirement Account
0.25%*$50k*-Regular Share Account
OTHER TIERS: 0.10% $250 - $2,500 | 0.15% $2,500 - $10k | 0.20% $10k - $50k

United Financial CU Checking Account Rates

0.15%*$2,500*-Share Draft/Checking Account
OTHER TIERS: 0.10% $1k - $2,500

United Financial CU CD Rates

0.80%*$50k*-3 Year CD
OTHER TIERS: 0.65% $2,500 - $10k | 0.75% $10k - $50k
0.60%*$50k*-2 Year CD
OTHER TIERS: 0.45% $2,500 - $10k | 0.55% $10k - $50k
0.45%*$50k*-1 Year CD
OTHER TIERS: 0.30% $2,500 - $10k | 0.40% $10k - $50k
0.35%*$50k*-6 Month CD
OTHER TIERS: 0.20% $2,500 - $10k | 0.30% $10k - $50k

United Financial CU Locations
Branch Office9925 Painter Ave Ste DWhittier, CA 90605-4512