Credit union · NCUA insured
United Local Credit Union
A $121.1M credit union headquartered in Fresno, CA, with 7,613 members and 2 branches in California. Best rates: CDs 0.60% and savings 0.05% APY.
United Local Credit Union Carrot Score
75
Carrot Score
Higher than 38% of U.S. banks and credit unions
#13 of 24 in Fresno, CA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About United Local Credit Union
Formed in 1953, United Local Credit Union is a member-owned cooperative corporation.
The credit union was formed to encourage thrift and security and to provide savings and lending services to its members.
- Headquarters
- 3650 E Ashlan Ave, Fresno, CA 93726
- NCUA charter
- 60408
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Open to anyone who lives or works in Fresno, Madera, Tulare, Kings, or Merced Counties.
Employers and groups
- Members of any local union affiliated with the Central Labor Council are eligible for membership.
- Retail Clerks from Fresno, Madera, Tulare, Kings, Mariposa, and Merced counties are eligible for membership.
Branches
2 branches in California
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California
2 branches
- United Local Credit UnionMain office3650 E Ashlan Ave, Fresno, CA 93726Directions
- Bullard2033 W Bullard Ave, Fresno, CA 93711Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 20.14% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.20% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | -0.05% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $81 | $76 | — |
- CapitalNet worth ratio20.14%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.20%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets-0.05%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$81Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of United Local Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.