Federal credit union · ONTARIO, California · NCUA charter #21532
U.P.S. Employees
Health score 74/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 74
- Health / 100
- $47.8M
- Total assets
- 5,183
- Members
- 7.8%
- Net-worth ratio
U.P.S. Employees scores 74/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $47.8M; members 5,183; net-worth ratio 7.85%; health rank #3,370 of 4,374; healthier than 23rd of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#3,370 of 4,374 health · 2025Q4U.P.S. Employees · health 74/100 · $47.8M · 2025Q4
Call Report peers
U.P.S. Employees in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
U.P.S. Employees vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); U.P.S. Employees sits in 70-74 with 317 others.
74 23rd percentile higher than 23% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Where U.P.S. Employees diverges from peer averages
- Largest favorable gap: Loan-to-Share Ratio at 82.02% vs peer 59.80% (+22.22 pp).
- Largest lag: Net Worth Ratio at 7.85% vs peer 14.86% (-7.01 pp).
California standing for U.P.S. Employees
- In California, health place is #194 of 243 on the same NCUA-ratio sort used nationally.
- California assets place: #189 of 243.
- Member book place in California: #155 of 243.
- One place up in California, L. a. Mission (#193) ties at 74/100; one place down, TECHNOLOGY (#195) scores 73/100, 1 point lower.
U.P.S. Employees: 2025Q4 → 2026Q1
U.P.S. Employees: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.3% from $47.8M (2025Q4) to $48.9M (2026Q1).
- Net-worth ratio shifted -0.05 pp (7.90% → 7.85%).
At 7.85%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 74/100 score is built
U.P.S. Employees gives up 26 points in total. Return on Assets costs the most, 12.1 of its 15; Delinquency Rate and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 24.6 pts
- Delinquency Rate 25.0 pts
- Return on Assets 2.9 pts
- Member Growth 6.9 pts
- Loan-to-Share Ratio 14.6 pts
Call Report ratios for U.P.S. Employees
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 7.85% | -7.01 pp |
| Delinquency Rate | 0.22% | -0.93 pp |
| Return on Assets | -0.18% | -0.88 pp |
| Member Growth | -1.16% | - |
| Loan-to-Share Ratio | 82.02% | +22.22 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
U.P.S. Employees filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $48.9M | - |
| 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
Branch Locations (2)
Per its most recent NCUA branch filing, U.P.S. Employees runs 2 offices in 2 different cities across 2 states.
| Office | City |
|---|---|
| UPS EFCU (Main Office) | ONTARIO, CA |
| fiserv Portico | salt lake city, UT |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in California
Other federally-insured credit unions in California, closest first by peer group and asset size.
Cross-state Call Report peers for U.P.S. Employees
Similar total assets
Using this data
- U.P.S. Employees ranks #3,370 of 4,374 nationally on financial health and #194 of 243 in CA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- United Catholics is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with United Catholics
Frequently Asked Questions
Is U.P.S. Employees financially healthy?
U.P.S. Employees has a financial health score of 74/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,370 of 4,374 nationally on health and #194 of 243 in California. Its net worth ratio is 7.85% and its delinquency rate 0.22%.
How does U.P.S. Employees compare to other credit unions?
U.P.S. Employees scores 74/100, higher than 23% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (82.02% vs 59.80%). Its widest shortfall is net worth ratio (7.85% vs 14.86%).
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?
U.P.S. Employees is a federal credit union; its shares are federally 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 7.85% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.