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
- PHOTO 74/100
- BOOK 7.8%
- CHARTER 0.22%
- NCUSIF -0.18%
- CAMELS $47.8M
- HEALTH 5,183
- NW #3,370/4,374
- DELQ Louisville Gas and Electric Company
- ROA 21532
Call Report peers
U.P.S. Employees in the assets neighbourhood
U.P.S. Employees's $47.8M assets sit next to Louisville Gas and Electric Company ($47.8M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
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
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
74 23rd percentile higher than 23% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
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.
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).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for CA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
U.P.S. Employees: 2025Q4 → 2026Q1
U.P.S. Employees: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.3% from $47.8M (2025Q4) to $48.9M (2026Q1).
- Net-worth ratio shifted -0.05 pp (7.90% → 7.85%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 74.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
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
Cross-state asset and health neighbours for U.P.S. Employees - kept outside California; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($47.8M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (74/100 here).
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
- Rates and health both vary by institution, not just by state -- see how California credit unions compare overall before assuming this one is typical. California state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is U.P.S. Employees financially healthy?
A 7.85% net worth ratio and a 0.22% delinquency rate feed into U.P.S. Employees's financial health score of 74/100 (Very Good), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,370 of 4,374; by total assets it ranks #2,435 of 4,374 nationally (same basis as /rankings/largest); and #189 of 243 within California. 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 74/100, 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 7.85% exceeds 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.
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.