Federal credit union · ONTARIO, California · NCUA charter #21532
U.p.s. Employees
Health score 64/100 (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 64
- Health / 100
- $47.8M
- Total assets
- 5,183
- Members
- 5.7%
- Net-worth ratio
U.p.s. Employees - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #21532, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
U.p.s. Employees - Five Health Pillars
Every bar shows this credit union's 0-100 sub-score for one pillar of the composite; weight and add the five and you land on the headline health score above, drawn from the same NCUA 5300 figures with no normalisation tricks.
- Capital (net worth ratio)48
- Asset quality (delinquency)100
- Earnings (ROA)19
- Member growth46
- Liquidity (loan-to-share)100
Weighted composite: 64/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 5.71%, this institution is below the 7.0% NCUA well-capitalized threshold.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 5.71% | 30% |
| Delinquency Rate | 0.22% | 25% |
| Return on Assets | -0.18% | 15% |
| Member Growth | -1.16% | 15% |
| Loan-to-Share Ratio | 82.02% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $47.8M | 5,183 |
| 2024Q4 | $46.9M | 5,244 |
| 2023Q4 | $46.1M | 5,358 |
Credit Union Details
- Charter Number
- 21532
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- California
- City
- ONTARIO
- Data Quarter
- 2025Q4
What This Data Says About U.p.s. Employees
Headquartered in ONTARIO, California, U.p.s. Employees is a federal credit union with 5,183 members, $47.8M in total assets, and $35.9M in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 64/100 (Good), driven in part by a net worth ratio of 5.71% - relative to the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #21532 and reports within peer group $10M–$50M, a cohort of 1163 similarly-sized institutions.
0.22% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running tighter than peers. Deposit deployment is captured by the 82.02% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Return on assets stands at -0.18% on net income of $-85261 for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -1.16%. These figures come from the 2025Q4 NCUA 5300 Call Report, filed on a quarterly cadence. The stated field of membership (currently: Community) governs who can join. Before opening an account or borrowing, see our disclaimer for NCUSIF deposit-insurance coverage and how to use this data.
Nearby Credit Unions in California
Other federally-insured credit unions in California, closest first by peer group and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is U.p.s. Employees financially healthy?
A 5.71% net worth ratio and a 0.22% delinquency rate feed into U.p.s. Employees's financial health score of 64/100 (Good), from NCUA 5300 Call Report data as of Q4 2025. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does U.p.s. Employees compare to other credit unions?
PlainCU's health composite puts U.p.s. Employees at 64/100, compared to a peer group average for $10M–$50M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join U.p.s. Employees?
U.p.s. Employees operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact U.p.s. Employees directly for the exact boundaries and application steps.
Is my money safe at U.p.s. Employees?
Federal credit unions like U.p.s. Employees are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. U.p.s. Employees's net worth ratio of 5.71% is relative to the 7% threshold NCUA considers "well capitalized."
What rates does U.p.s. Employees offer compared to banks?
Credit unions like U.p.s. Employees are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact U.p.s. Employees directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.