U.P.S. Employees Federal Credit Union is a federal credit union headquartered in Ontario, California, in business for about 52 years. At the end of Q2 2026 it reported $51.8M in total assets and $47.5M in member shares and deposits, with 2 offices across 2 states.
U.P.S. Employees Federal Credit Union has a TellerScore of 61 out of 100 (moderate) based on Q2 2026 data — higher than only 23% of its 2,479 credit unions with under $100 million in assets. Among 238 credit unions headquartered in California, it ranks 174th. Problem-loan coverage contributes the most (95/100, 2.4%); capital cushion contributes the least (26/100, 7.55%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 4 points (65 → 61), mostly because the earnings component weakened by 14 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 52 |
| Q3 2024 | 42 |
| Q4 2024 | 55 |
| Q1 2025 | 58 |
| Q2 2025 | 65 |
| Q3 2025 | 64 |
| Q4 2025 | 62 |
| Q1 2026 | 63 |
| Q2 2026 | 61 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 7.21% |
| Q3 2024 | 7.70% |
| Q4 2024 | 7.55% |
| Q1 2025 | 7.25% |
| Q2 2025 | 7.72% |
| Q3 2025 | 7.86% |
| Q4 2025 | 7.90% |
| Q1 2026 | 7.85% |
| Q2 2026 | 7.55% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.21% |
| Q3 2024 | 1.31% |
| Q4 2024 | 0.31% |
| Q1 2025 | 0.08% |
| Q2 2025 | 0.06% |
| Q3 2025 | 0.08% |
| Q4 2025 | 0.22% |
| Q1 2026 | 0.05% |
| Q2 2026 | 0.26% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | -1.08% |
| Q3 2024 | -0.41% |
| Q4 2024 | -0.18% |
| Q1 2025 | 0.04% |
| Q2 2025 | 0.85% |
| Q3 2025 | 0.66% |
| Q4 2025 | 0.56% |
| Q1 2026 | 0.51% |
| Q2 2026 | 0.51% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 61 | $51.8M | 7.55% | 0.26% | 0.51% | 75.1% |
| Q1 2026 | 63 | $48.9M | 7.85% | 0.05% | 0.51% | 79.0% |
| Q4 2025 | 62 | $47.8M | 7.90% | 0.22% | 0.56% | 82.0% |
| Q3 2025 | 64 | $48.1M | 7.86% | 0.08% | 0.66% | 80.9% |
| Q2 2025 | 65 | $48.5M | 7.72% | 0.06% | 0.85% | 79.5% |
| Q1 2025 | 58 | $48.9M | 7.25% | 0.08% | 0.04% | 78.4% |
| Q4 2024 | 55 | $46.9M | 7.55% | 0.31% | -0.18% | 78.2% |
| Q3 2024 | 42 | $45.6M | 7.70% | 1.31% | -0.41% | 80.6% |
| Q2 2024 | 52 | $47.1M | 7.21% | 0.21% | -1.08% | 78.3% |
2,479 peers · Under $100 million in assets
How it compares with peers
Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size credit unions in California
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Inland Valley Federal Credit UnionCredit union Fontana, CA | 65 out of 100, Moderate | $54.0M | 8.7% | 0.18% | vs |
| Fresno Police Department Credit UnionCredit union Fresno, CA | 89 out of 100, Very strong | $49.5M | 23.3% | 0.06% | vs |
| Jacom Credit UnionCredit union Los Angeles, CA | 82 out of 100, Strong | $54.1M | 16.6% | 0.06% | vs |
| Central Valley Firefighters Credit UnionCredit union Fresno, CA | 87 out of 100, Very strong | $49.5M | 13.7% | 0.42% | vs |
| United Catholics Federal Credit UnionCredit union Covina, CA | 74 out of 100, Strong | $49.3M | 9.8% | 0.02% | vs |
| L. A. Electrical Workers Credit Un. Credit UnionCredit union Pasadena, CA | 88 out of 100, Very strong | $54.8M | 19.8% | 0.08% | vs |
Deposit insurance
Is my money safe at U.P.S. Employees Federal Credit Union?
Yes. U.P.S. Employees Federal Credit Union is a federally insured credit union (NCUA charter #21532). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
An estimated 1.7% of shares and deposits ($815K) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.
The net worth ratio is 7.55%, slightly above the 7% level regulators use as the "well capitalized" benchmark for this measure.
2 locations
Branches
U.P.S. Employees Federal Credit Union lists 2 offices in 2 cities across 2 states. Most locations:
- Ontario, CA (1)
- Salt Lake City, UT (1)
Identity & history
Profile
- Legal name
- U.P.S. Employees Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 21532
- RSSD ID
- 251482
- Primary regulator
- NCUA
- Established
- 1974
- Headquarters
- 3110 Inland Empire Blvd Ste a, Ontario, CA 91764
- Employees
- 11
Quick answers
U.P.S. Employees Federal Credit Union: common questions
Is U.P.S. Employees Federal Credit Union NCUA insured?
Yes. U.P.S. Employees Federal Credit Union is a federally insured credit union (NCUA charter #21532). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
What is U.P.S. Employees Federal Credit Union's TellerScore?
61 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
How many branches does U.P.S. Employees Federal Credit Union have?
2 offices as of the latest NCUA data, in 2 states.
Nearby
Highest-scoring banks and credit unions with branches near Ontario
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Operating Engineers Local Union #3 Federal Credit UnionCredit union Livermore, CA | 92 out of 100, Very strong | $1.7B | 15.5% | 0.60% | vs |
| American Plus Bank, N.A.Bank Arcadia, CA | 88 out of 100, Very strong | $935.0M | 16.5% | 0.04% | vs |
| Ontario Public Employees Federal Credit UnionCredit union Ontario, CA | 87 out of 100, Very strong | $23.2M | 15.5% | 1.02% | vs |
| American Continental BankBank City Of Industry, CA | 87 out of 100, Very strong | $385.3M | 16.2% | 0.37% | vs |
| American First National BankBank Houston, TX | 87 out of 100, Very strong | $2.9B | 14.4% | 0.42% | vs |
| Bank of Whittier, National AssociationBank Whittier, CA | 87 out of 100, Very strong | $152.6M | 16.4% | 0.00% | vs |