credit union · NCUA 3945 · CA
How big is UME?
UME (CA, NCUA charter 3945) reported total assets of $327.9M, 17,383 members and a net worth ratio of 9.86% in its Call Report for 2026Q2. That ranks 998 of 4,299 federally insured credit unions by assets, 239 of 1,061 among credit unions with $100m-$500m in assets, 107 of 239 credit unions in california.
What stands out
UME (CA, NCUA charter 3945) reported total assets of $327.9M, 17,383 members and a net worth ratio of 9.86% in its Call Report for 2026Q2. That ranks 998 of 4,299 federally insured credit unions by assets, 239 of 1,061 among credit unions with $100m-$500m in assets, 107 of 239 credit unions in california. Against its size class: net worth ratio 9.86%, below the peer median of 11.65%; loan-to-share ratio 56.74%, below the peer median of 73.15%; return on assets 1.29%, above the peer median of 0.74%. At 9.86% its net worth ratio is above the 7% NCUA threshold, which puts it in the "well capitalised" band of prompt corrective action; the regulator applies further tests, this page does not.
Key figures, 2026Q2
As filed with the NCUA; ratios computed by FACTANKER. Peer medians are percentile_cont over the group in the same quarter.
| Measure | 2026Q2 | Median, size class | Median, state | Median, all | Evidence |
|---|---|---|---|---|---|
| Total assets | $327.9M | $198.1M | $205.9M | $68.3M | record → |
| Shares and deposits | $296.7M | $172.3M | $179.4M | $58.3M | record → |
| Loans outstanding | $168.3M | $125.2M | $125.6M | $34.4M | record → |
| Net income (year to date) | $2.1M | $766.3k | $432.9k | $222.2k | record → |
| Net worth | $32.3M | $24.5M | $25.9M | $9.0M | record → |
| Net worth ratio | 9.86% | 11.65% | 11.30% | 12.65% | record → |
| Loan-to-share ratio | 56.74% | 73.15% | 72.15% | 68.70% | computed |
| Return on assets | 1.29% | 0.74% | 0.56% | 0.71% | computed |
| Members | 17,383 | 13,230 | 11,423 | 4,818 | record → |
Quarter by quarter
45 Call Reports on record, 2015Q2–2026Q2; the 40 most recent shown.
| Quarter | Total assets | Shares | Loans | Net income YTD | Net worth ratio | Members | Rank |
|---|---|---|---|---|---|---|---|
| 2026Q2 | $327.9M | $296.7M | $168.3M | $2.1M | 9.86% | 17,383 | 998 |
| 2026Q1 | $334.1M | $303.9M | $167.2M | $852.9k | 9.29% | 17,428 | 990 |
| 2025Q4 | $340.7M | $310.9M | $166.2M | $2.4M | 8.86% | 17,446 | 960 |
| 2025Q3 | $340.2M | $311.4M | $165.7M | $1.3M | 8.56% | 17,452 | 958 |
| 2025Q2 | $334.2M | $307.1M | $161.6M | $603.1k | 8.50% | 17,412 | 975 |
| 2025Q1 | $336.4M | $304.8M | $160.9M | $285.7k | 8.36% | 17,423 | 968 |
| 2024Q4 | $351.5M | $295.0M | $160.6M | $517.8k | 7.91% | 17,390 | 925 |
| 2024Q3 | $341.5M | $284.1M | $161.2M | $366.5k | 8.10% | 17,330 | 943 |
| 2024Q2 | $339.2M | $284.3M | $161.5M | $218.3k | 8.11% | 17,303 | 942 |
| 2024Q1 | $375.7M | $294.7M | $159.4M | $113.8k | 7.30% | 17,288 | 885 |
| 2023Q4 | $344.4M | $294.3M | $158.0M | $360.1k | 7.93% | 17,261 | 927 |
| 2023Q3 | $349.2M | $301.2M | $153.8M | $398.2k | 7.83% | 17,250 | 913 |
| 2023Q2 | $354.8M | $305.8M | $149.6M | $526.7k | 7.74% | 17,161 | 912 |
| 2023Q1 | $339.7M | $313.1M | $148.2M | $672.4k | 8.13% | 17,011 | 933 |
| 2022Q4 | $337.5M | $304.2M | $144.9M | $1.5M | 8.03% | 16,764 | 928 |
| 2022Q3 | $329.3M | $311.0M | $131.1M | $1.2M | 8.14% | 16,644 | 941 |
| 2022Q2 | $331.3M | $310.5M | $117.1M | $833.2k | 7.97% | 16,412 | 936 |
| 2022Q1 | $328.3M | $305.5M | $106.4M | $345.8k | 7.89% | 16,301 | 942 |
| 2021Q4 | $315.6M | $289.9M | $100.4M | $1.7M | 8.10% | 16,187 | 947 |
| 2021Q3 | $312.1M | $285.6M | $97.1M | $1.4M | 8.10% | 16,085 | 948 |
| 2021Q2 | $301.7M | $274.9M | $93.8M | $906.5k | 8.21% | 15,980 | 958 |
| 2021Q1 | $296.5M | $271.1M | $92.0M | $619.1k | 8.25% | 15,911 | 964 |
| 2020Q4 | $281.7M | $255.8M | $91.6M | $1.4M | 8.47% | 15,837 | 949 |
| 2020Q3 | $272.6M | $247.1M | $93.2M | $1.1M | 8.63% | 15,789 | 953 |
| 2020Q2 | $258.9M | $234.0M | $94.6M | $693.5k | 8.93% | 15,679 | 987 |
| 2020Q1 | $245.6M | $220.9M | $96.8M | $465.8k | 9.32% | 15,618 | 968 |
| 2019Q4 | $238.6M | $214.9M | $95.3M | $1.8M | 9.40% | 15,522 | 968 |
| 2019Q3 | $237.0M | $213.9M | $96.5M | $1.2M | 9.21% | 15,418 | 965 |
| 2019Q2 | $233.3M | $209.8M | $97.2M | $857.6k | 9.20% | 15,281 | 976 |
| 2019Q1 | $231.5M | $209.5M | $97.1M | $351.7k | 9.06% | 15,116 | 979 |
| 2018Q4 | $219.1M | $197.4M | $96.9M | $2.1M | 9.41% | 14,980 | 999 |
| 2018Q3 | $218.3M | $197.2M | $95.6M | $1.6M | 9.19% | 14,875 | 997 |
| 2018Q2 | $221.9M | $201.5M | $91.3M | $986.6k | 8.77% | 14,643 | 996 |
| 2018Q1 | $215.8M | $195.5M | $89.4M | $546.5k | 8.81% | 14,514 | 1009 |
| 2017Q4 | $207.9M | $187.8M | $86.7M | $1.5M | 8.89% | 14,638 | 1018 |
| 2017Q3 | $207.9M | $187.9M | $78.8M | $1.0M | 8.68% | 14,248 | 1012 |
| 2017Q2 | $203.5M | $185.1M | $77.0M | $533.5k | 8.61% | 14,105 | 1022 |
| 2017Q1 | $204.7M | $186.6M | $74.2M | $162.1k | 8.38% | 13,975 | 1017 |
| 2016Q4 | $196.4M | $178.3M | $72.0M | $1.1M | 8.66% | 13,846 | 1023 |
| 2016Q3 | $189.4M | $171.5M | $72.5M | $836.6k | 8.82% | 13,769 | 1038 |
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