TellerScore

U.S.B. Employees Federal Credit Union is a federal credit union headquartered in Wilmington, California, in business for about 77 years. At the end of Q2 2026 it reported $3.2M in total assets and $2.6M in member shares and deposits.

Based on its Q2 2026 filing, U.S.B. Employees Federal Credit Union scores 96/100, which we describe as very strong. That is higher than 97% of 2,479 credit unions with under $100 million in assets. Among 238 credit unions headquartered in California, it ranks 6th. Its strongest component is capital cushion (100/100; 20.23%), and its lowest is earnings (81/100; 1.53%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 20.23%
Loan quality100/100
Loans 60+ days delinquent ÷ total loans: 0.00%
Earnings81/100
Return on assets (annualized): 1.53%
Funding & liquidity100/100
Loans ÷ shares: 9.4% · 0.0% uninsured
Problem-loan coverage100/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.00%

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 rose 40 points (56 → 96), mostly because the loan quality component improved by 100 points.

TellerScore
547596Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202482
Q3 202456
Q4 202456
Q1 202554
Q2 202556
Q3 202585
Q4 202594
Q1 202694
Q2 202696
Net worth ratio
7.00%19.46%31.92%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202431.92%
Q3 202431.59%
Q4 202431.89%
Q1 202530.97%
Q2 202518.79%
Q3 202519.02%
Q4 202519.54%
Q1 202619.80%
Q2 202620.23%
Delinquent loans (60+ days)
0.00%3.79%7.59%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.00%
Q3 20247.54%
Q4 20247.59%
Q1 20256.17%
Q2 20256.36%
Q3 20250.00%
Q4 20250.00%
Q1 20260.00%
Q2 20260.00%
Return on assets
-1.80%-0.14%1.53%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 2024-0.29%
Q3 2024-0.27%
Q4 2024-0.26%
Q1 2025-1.80%
Q2 2025-0.35%
Q3 20250.12%
Q4 20251.21%
Q1 20261.28%
Q2 20261.53%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202696$3.2M20.23%0.00%1.53%9.4%
Q1 202694$3.2M19.80%0.00%1.28%10.2%
Q4 202594$3.2M19.54%0.00%1.21%8.0%
Q3 202585$3.2M19.02%0.00%0.12%9.2%
Q2 202556$3.2M18.79%6.36%-0.35%10.6%
Q1 202554$1.9M30.97%6.17%-1.80%21.4%
Q4 202456$1.9M31.89%7.59%-0.26%17.9%
Q3 202456$1.9M31.59%7.54%-0.27%17.7%
Q2 202482$1.9M31.92%0.00%-0.29%16.9%

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).

Capital ratio20.23%
78th
Problem loans0.00%
94th
Net charge-offs0.00%
77th
Return on assets1.53%
85th
Loans to deposits9.4%
98th
Uninsured deposits0.0%
81st
Loan-loss reserves6.68%
97th
Texas ratio0.0%
93rd

Similar-size credit unions in California

InstitutionScoreAssetsCapitalProblem loansCompare
Chula Vista City Employees Federal Credit UnionCredit union Chula Vista, CA71 out of 100, Strong$3.1M8.3%0.64%vs
Columbus Club Federal Credit UnionCredit union San Fernando, CA80 out of 100, Strong$3.1M26.6%0.00%vs
Sunkist Employees Federal Credit UnionCredit union Valencia, CA100 out of 100, Very strong$3.8M33.6%0.00%vs
Haven Federal Credit UnionCredit union San Francisco, CA— out of 100, Not scored$2.5M100.0%—vs
Fountain Valley Credit UnionCredit union Fountain Valley, CA80 out of 100, Strong$2.0M23.0%0.00%vs
Valley Agricultural Federal Credit UnionCredit union Santa Paula, CA57 out of 100, Moderate$4.6M11.6%2.01%vs

Deposit insurance

Is my money safe at U.S.B. Employees Federal Credit Union?

Yes. U.S.B. Employees Federal Credit Union is a federally insured credit union (NCUA charter #5960). 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 0.0% of shares and deposits ($0) 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 20.23%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

Identity & history

Profile

Legal name
U.S.B. Employees Federal Credit Union
Type
Federal credit union
NCUA charter #
5960
RSSD ID
376778
Primary regulator
NCUA
Established
1949
Headquarters
300 Falcon St., Wilmington, CA 90744
Employees
1

Quick answers

U.S.B. Employees Federal Credit Union: common questions

Is U.S.B. Employees Federal Credit Union NCUA insured?

Yes. U.S.B. Employees Federal Credit Union is a federally insured credit union (NCUA charter #5960). 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.S.B. Employees Federal Credit Union's TellerScore?

96 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.