State credit union · Los Angeles, California · NCUA charter #68459
Usc
Health score 73/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 73
- Health / 100
- $713.9M
- Total assets
- 73,723
- Members
- 8.3%
- Net-worth ratio
Usc - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #68459. See our deposit-insurance coverage note.
Usc - Five Health Pillars
The five bars below are this credit union's pillar-level 0-100 sub-scores. Sum the weighted pillars and you get the headline health score above - same NCUA 5300 data, no normalisation tricks applied.
- Capital (net worth ratio)86
- Asset quality (delinquency)89
- Earnings (ROA)69
- Member growth0
- Liquidity (loan-to-share)100
Weighted composite: 73/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 8.28% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 8.28% | 30% |
| Delinquency Rate | 0.78% | 25% |
| Return on Assets | 0.19% | 15% |
| Member Growth | -10.08% | 15% |
| Loan-to-Share Ratio | 89.06% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Usc
73,723 members and $713.9M in total assets sit behind Usc, a state credit union in Los Angeles, California, which posts a health score of 73/100 (Very Good) on the five-factor composite, with $555.7M in outstanding loans as of Q4 2025 and a net worth ratio of 8.28% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #68459 in peer group Over $500M, a cohort of 749 similarly-sized institutions.
Deposits deployed into lending sit at a 89.06% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Loan quality, meanwhile, shows 0.78% of the book 60+ days past due - the peer group average for Over $500M credit unions sits at 0.874%, so this institution is running tighter than peers. Return on assets stands at 0.19% on net income of $1.4M for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -10.08%. All of the above reflects the 2025Q4 quarterly NCUA 5300 Call Report. Who can join depends on the field of membership (currently: Other); our disclaimer covers NCUSIF deposit-insurance coverage and how to use this data responsibly.
Nearby Credit Unions in California
More federally-insured credit unions based in California, ordered by peer group match and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Usc financially healthy?
Usc has a financial health score of 73/100 (Very Good) based on NCUA 5300 Call Report data as of Q4 2025. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 8.28% and delinquency rate of 0.78%.
How does Usc compare to other credit unions?
Usc scores 73/100 on PlainCU's health composite, compared to a peer group average for Over $500M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), 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 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?
Federal credit unions like Usc 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. Usc's net worth ratio of 8.28% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Usc offer compared to banks?
Credit unions like Usc 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 Usc directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
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.