UNITED LOCAL
State-Chartered • Fresno, California • Est. 1953
Quick Facts
- Charter Number
- #60408
- Type
- State-Chartered
- Established
- 1953
- Headquarters
- Fresno, California 93726
- Address
- 3650 E Ashlan Ave
- Branches
- 2
- ATMs
- 2
- Members
- 7,758
- Membership Type
- Community
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Exceptionally well-capitalized with outstanding net worth ratio, very low delinquency, and strong earnings. One of the most financially sound credit unions in the country.
Financial Overview
Total Assets
Members
7,758 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | UNITED LOCAL |
|---|---|
| Total Assets | $120.1M |
| Members | 7,758 |
| Loans Outstanding | $72.1M |
| Shares & Deposits | $95.2M |
| Net Worth | $24.1M |
| Net Worth Ratio | 20.02% |
| Loan-to-Share Ratio | 75.7% |
| Delinquency Rate | 0.32% |
| Net Income | +$1,030,273 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
2 locations · 2 ATMs
United Local Credit Union
Main Office3650 E Ashlan Ave
Fresno, CA 93726
Bullard
2033 W Bullard Ave
Fresno, CA 93711-1200
Who Can Join UNITED LOCAL?
Membership Type: Community
Membership eligibility for UNITED LOCAL may vary. Contact the credit union directly to confirm qualification requirements.
Contact UNITED LOCAL directly or visit their website for the most accurate and up-to-date membership eligibility information.
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View California RankingsFrequently Asked Questions
Yes. UNITED LOCAL is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, UNITED LOCAL has 7,758 members and a potential membership field of 125,000 people.
UNITED LOCAL's net worth ratio is 20.02% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 20.0%, UNITED LOCAL meets this threshold.
UNITED LOCAL operates 2 branch locations and has access to 2 ATMs. The main office is located at 3650 E Ashlan Ave, Fresno, CA 93726.
UNITED LOCAL was established in 1953. It is a state-chartered credit union chartered under charter number 60408. The institution has been serving members for 73 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or UNITED LOCAL. All financial data is for informational purposes only.