Credit union · NCUA insured
Utility District Credit Union
A $34.1M credit union headquartered in Oakland, CA, with 2,151 members and 2 branches in California. Best rates: CDs 0.25% and savings 0.05% APY.
Utility District Credit Union Carrot Score
71
Carrot Score
Higher than 30% of U.S. banks and credit unions
#53 of 71 in San Francisco, CA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Utility District Credit Union
Utility District Credit Union was founded in 1935 by EBMUD employees in Oakland, California, to offer affordable financial products and services through collective resources.
The credit union operates as a member-owned, non-profit financial cooperative.
- Headquarters
- 375 11th St STE 203, Oakland, CA 94607
- NCUA charter
- 61085
Branches
2 branches in California
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California
2 branches
- Utility District Credit UnionMain office375 11th St STE 203, Oakland, CA 94607Directions
- Branch Office2130 Adeline St, Oakland, CA 94607Directions
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 | 9.34% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.57% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 1.14% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $27 | $59 | — |
- CapitalNet worth ratio9.34%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.57%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets1.14%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$27Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million 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 Utility District Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.