Federal credit union · Wilmington, California · NCUA charter #5960
U.S.B. Employees
Health score 76/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 76
- Health / 100
- $3.2M
- Total assets
- 303
- Members
- 19.8%
- Net-worth ratio
U.S.B. Employees scores 76/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $3.2M; members 303; net-worth ratio 19.80%; health rank #3,147 of 4,374; healthier than 26th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#3,147 of 4,374 health · 2025Q4U.S.B. Employees · health 76/100 · $3.2M · 2025Q4
Call Report peers
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
U.S.B. Employees vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); U.S.B. Employees sits in 75-79 with 502 others.
76 26th percentile higher than 26% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
U.S.B. Employees: Call Report deltas vs peers
- Strongest edge vs 566 $2M–$10M peers is Delinquency Rate: -1.81 pp (0.00% vs 1.81%).
- Widest shortfall vs peers is Loan-to-Share Ratio: -55.58 pp (8.02% vs 63.60%).
Where U.S.B. Employees sits in California
- In California, health place is #181 of 243 on the same NCUA-ratio sort used nationally.
- California assets place: #235 of 243.
- Membership ranks #235 of 243 among California CUs with a reported count (303 members).
- One place up in California, ESPEECO (#180) scores 77/100, 1 point higher; one place down, NIKKEI (#182) ties at 76/100.
U.S.B. Employees: 2025Q4 → 2026Q1
U.S.B. Employees: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.3% from $3.2M (2025Q4) to $3.2M (2026Q1).
- Net-worth ratio shifted +0.26 pp (19.54% → 19.80%).
19.80% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 76/100 score is built
U.S.B. Employees gives up 24 points in total. Return on Assets costs the most, 11.9 of its 15; Net Worth Ratio and Delinquency Rate score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 3.1 pts
- Member Growth 11.4 pts
- Loan-to-Share Ratio 6.5 pts
U.S.B. Employees vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 19.80% | +0.74 pp |
| Delinquency Rate | 0.00% | -1.81 pp |
| Return on Assets | -0.15% | -0.61 pp |
| Member Growth | 2.02% | - |
| Loan-to-Share Ratio | 8.02% | -55.58 pp |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
Call Report history - U.S.B. Employees
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $3.2M | - |
| 2025Q4 | $3.2M | 303 |
| 2024Q4 | $1.9M | 297 |
| 2023Q4 | $2.0M | 314 |
Credit Union Details
- Charter Number
- 5960
- Type
- Federal
- Field of Membership
- Healthcare
- Peer Group
- $2M–$10M
- State
- California
- City
- Wilmington
- Data Quarter
- 2025Q4
Branch Location
U.S.B. Employees operates a single office in Wilmington, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| USB EFCU (Main Office) | Wilmington, CA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in California
A look at other California credit unions, ranked by how closely their peer group and asset size match this one.
Other-state peers near U.S.B. Employees
Similar health score
Using this data
- U.S.B. Employees ranks #3,147 of 4,374 nationally on financial health and #181 of 243 in CA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Columbus Club is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Columbus Club
Frequently Asked Questions
Is U.S.B. Employees financially healthy?
U.S.B. Employees has a financial health score of 76/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,147 of 4,374 nationally on health and #181 of 243 in California. Its net worth ratio is 19.80% and its delinquency rate 0.00%.
How does U.S.B. Employees compare to other credit unions?
U.S.B. Employees scores 76/100, higher than 26% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is delinquency rate (0.00% vs 1.81%). Its widest shortfall is loan-to-share ratio (8.02% vs 63.60%).
How can I join U.S.B. Employees?
U.S.B. Employees is chartered around a single common bond (Healthcare), membership is generally limited to employees of a specific employer or a defined occupational group and their immediate family. Contact U.S.B. Employees directly to confirm eligibility.
Is my money safe at U.S.B. Employees?
U.S.B. 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.S.B. Employees's net worth ratio of 19.80% 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.