B
1st United Credit Union
Rating Date
July 2025
Net Capital
Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings 1st United Credit Union
Pleasanton, CA
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Rating B
Asset Quality Index 9.80
Capitalization Index 8.50
Liquidity Index 3.10
Profitability Index 4.50
Stability Index 7.10
Company Info 1st United Credit Union
Pleasanton, CA
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NCUA Charter Number 12
Phone Number (800) 649-0193
Website www.1stunitedcu.org
Asset Quality 1st United Credit Union
Pleasanton, CA
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1-Year Asset Growth -1.10%
5-Year Asset Growth 1.57%
5-Year Charge-Offs to Average Loans 0.18%
Charge-Offs to Average Loans 0.26%
Non-Performing Assets to Assets 0.19%
Non-Performing Loans to Capital 1.80%
Non-Performing Loans to Loans 0.25%
Balance Sheet 1st United Credit Union
Pleasanton, CA
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Total Assets 1.22B
Total Deposits 1.08B
Capital and Reserves 1st United Credit Union
Pleasanton, CA
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Capital 128.19M
Leverage Ratio 11.44
Loan Loss Reserves to Loans 0.57%
Liquidity 1st United Credit Union
Pleasanton, CA
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Hot Money Ratio 16.16%
Liquidity Ratio 18.34%
Profitability 1st United Credit Union
Pleasanton, CA
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5-Year Return on Average Assets 0.41%
Net Income 1.56M
Net Interest Spread 3.70%
Operating Profit to Average Assets 0.87%
Overhead Efficiency Ratio 77.86%
Return on Assets 0.51%
Return on Equity 4.96%