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
- ROA 76/100
- ASSETS 19.8%
- MEM 0.00%
- RANK -0.15%
- PHOTO $3.2M
- BOOK 303
- CHARTER #3,147/4,374
- NCUSIF n/a
- CAMELS 5960
Call Report peers
U.S.B. Employees carries $3.2M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
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
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
76 26th percentile higher than 26% 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.S.B. Employees - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #5960. See our deposit-insurance coverage note.
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%).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
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.S.B. Employees: 2025Q4 → 2026Q1
U.S.B. Employees: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.3% from $3.2M (2025Q4) to $3.2M (2026Q1).
- Net-worth ratio shifted +0.26 pp (19.54% → 19.80%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 76.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
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
U.S.B. Employees's nationwide photo peers by assets and by health score, excluding California charters.
Similar health score
Nearest other-state credit unions by five-factor health composite (76/100 here).
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
- 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.S.B. Employees financially healthy?
U.S.B. Employees scores 76/100 (Very Good) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,147 of 4,374; by total assets it ranks #4,025 of 4,374 nationally (same basis as /rankings/largest); and #235 of 243 within California. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 19.80% net worth ratio and a 0.00% delinquency rate.
How does U.S.B. Employees compare to other credit unions?
76/100 is U.S.B. Employees's score on PlainCU's health composite, compared to a peer group average for $2M–$10M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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.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?
Federal credit unions like U.S.B. 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.S.B. Employees's net worth ratio of 19.80% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does U.S.B. Employees offer compared to banks?
Credit unions like U.S.B. 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.S.B. 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.