State credit union · Los Angeles, California · NCUA charter #68459
USC
Health score 78/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 78
- Health / 100
- $713.9M
- Total assets
- 73,723
- Members
- 10.5%
- Net-worth ratio
USC scores 78/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $713.9M; members 73,723; net-worth ratio 10.46%; health rank #3,001 of 4,374; healthier than 31st of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#3,001 of 4,374 health · 2025Q4USC · health 78/100 · $713.9M · 2025Q4
Call Report peers
USC in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
USC vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); USC sits in 75-79 with 502 others.
78 31st percentile higher than 31% 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
USC: Call Report deltas vs peers
- Strongest edge vs 749 Over $500M peers is Loan-to-Share Ratio: +5.16 pp (89.06% vs 83.90%).
- Net Worth Ratio trails the peer set - 10.46% here, 11.18% peer average (-0.72 pp).
USC in California
- In California, health place is #174 of 243 on the same NCUA-ratio sort used nationally.
- California assets place: #81 of 243.
- California membership ordinal: #49 of 243.
- One place up in California, Long Beach City Employees (#173) ties at 78/100; one place down, RANCHO (#175) ties at 78/100.
USC Call Report trajectory
USC: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.7% from $713.9M (2025Q4) to $719.2M (2026Q1).
- Net-worth ratio shifted +0.09 pp (10.37% → 10.46%).
This credit union's 10.46% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 78/100 score is built
USC gives up 22 points in total. Member Growth costs the most, 15 of its 15; Net Worth Ratio and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 22.2 pts
- Return on Assets 10.3 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 15.5 pts
Call Report ratios for USC
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.46% | -0.72 pp |
| Delinquency Rate | 0.78% | -0.09 pp |
| Return on Assets | 0.19% | -0.32 pp |
| Member Growth | -10.08% | - |
| Loan-to-Share Ratio | 89.06% | +5.16 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $719.2M | - |
| 2025Q4 | $713.9M | 73,723 |
| 2024Q4 | $693.8M | 81,988 |
| 2023Q4 | $764.9M | 78,921 |
Credit Union Details
- Charter Number
- 68459
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- California
- City
- Los Angeles
- Data Quarter
- 2025Q4
Branch Locations (5)
USC operates 5 offices in Los Angeles, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Main Office (Main Office) | Los Angeles, CA |
| CUB Branch | Los Angeles, CA |
| HSC Branch | Los Angeles, CA |
| Campus Center Branch (University Park Campus) | Los Angeles, CA |
| University Village Branch | Los Angeles, CA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in California
More federally-insured credit unions based in California, ordered by peer group match and asset size.
Cross-state Call Report peers for USC
Using this data
- USC ranks #3,001 of 4,374 nationally on financial health and #174 of 243 in CA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- The First Financial is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with The First Financial
Frequently Asked Questions
Is USC financially healthy?
USC has a financial health score of 78/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,001 of 4,374 nationally on health and #174 of 243 in California. Its net worth ratio is 10.46% and its delinquency rate 0.78%.
How does USC compare to other credit unions?
USC scores 78/100, higher than 31% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (89.06% vs 83.90%). Its widest shortfall is net worth ratio (10.46% vs 11.18%).
How can I join USC?
Membership eligibility for USC depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact USC directly for current membership requirements and application steps.
Is my money safe at USC?
USC is a state-chartered 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. USC's net worth ratio of 10.46% 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.