Sep, 30, 2025 — UNITED LOCAL CREDIT UNION is a federally insured state chartered credit union headquartered in FRESNO, CA with 2 branch locations and about $120.64 million in total assets. Opened 73 years ago in 1953, UNITED LOCAL CREDIT UNION has about 7,890 members and employs 23 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | UNITED LOCAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 3650 E Ashlan Ave FRESNO, CA 93726 |
| Phone: | (559) 227-8329 |
| Fax: | (559) 227-1824 |
| Website: | https://www.unitedlocal.org |
| Branches: | 2 branch locations |
| Members: | 7,890 |
| Credit Union Type: | Federally Insured State Chartered Credit Union |
| Charter Number: | 60408 |
|---|---|
| Membership Type: | State chartered natural person |
| Corporate Credit Union: | No |
| Year Opened: | 1953 |
| Last Audited: | Dec 01, 2024 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $120,643,126 |
| CEO/Manager: | Angelina Maldonado |
| Chairperson: | Jim Hazzelrigg |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 12,734,187 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 14,588,746 |
| Unsecured Loans | 2,134,758 |
| Other Loans | 60,538,730 |
| TOTAL LOANS | 77,262,234 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -889,480 |
| Land And Building | 0 |
| Other Fixed Assets | 1,098,440 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 878,365 |
| All Other Assets | 134,644 |
| TOTAL ASSETS | 120,643,126 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 134 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 992,155 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 21,947,836 |
| Regular shares | 47,059,863 |
| All Other Shares & Deposits | 26,954,941 |
| TOTAL SHARES & DEPOSITS | 95,962,640 |
| TOTAL LIABILITIES | 96,954,929 |
| Regular Reserve | 0 |
| Other Reserves | -208,827 |
| Undivided Earnings | 23,897,024 |
| TOTAL EQUITY | 23,688,197 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 120,643,126 |
| INCOME & EXPENSE | |
| Loan Income | 3,118,900 |
| Investment Income | 826,390 |
| Other Income | 406,561 |
| Total Employee Compensation & Benefits | 1,644,404 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 1,929,206 |
| Non-operating Income & (Expense) | 0 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 286,556 |
| Cost of Funds | 435,122 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 526,852 |
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