TellerScore

Usc Credit Union is a federally insured state-chartered credit union headquartered in Los Angeles, California, in business for about 53 years. At the end of Q2 2026 it reported $741.1M in total assets and $638.3M in member shares and deposits, with 3 offices.

Based on its Q2 2026 filing, Usc Credit Union scores 61/100, which we describe as moderate. That is higher than only 24% of 1,341 credit unions with $100 million – $1 billion. Among 238 credit unions headquartered in California, it ranks 170th. Its strongest component is problem-loan coverage (88/100; 5.9%), and its lowest is earnings (39/100; 0.48%).

TellerScore · Q2 2026

Scorecard

Capital cushion53/100
Net worth ratio: 10.28%
Loan quality76/100
Loans 60+ days delinquent ÷ total loans: 0.73%
Earnings39/100
Return on assets (annualized): 0.48%
Funding & liquidity66/100
Loans ÷ shares: 94.4% · 8.0% uninsured
Problem-loan coverage88/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 5.92%

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 3 points (58 → 61), mostly because the loan quality component improved by 12 points.

TellerScore
586164Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202461
Q3 202462
Q4 202461
Q1 202561
Q2 202558
Q3 202561
Q4 202561
Q1 202664
Q2 202661
Net worth ratio
7.00%8.77%10.54%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20249.89%
Q3 20249.93%
Q4 202410.54%
Q1 202510.39%
Q2 202510.41%
Q3 202510.36%
Q4 202510.37%
Q1 202610.46%
Q2 202610.28%
Delinquent loans (60+ days)
0.60%0.84%1.08%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.69%
Q3 20240.60%
Q4 20240.69%
Q1 20250.69%
Q2 20251.08%
Q3 20250.80%
Q4 20250.78%
Q1 20260.70%
Q2 20260.73%
Return on assets
0.12%0.33%0.55%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.24%
Q3 20240.27%
Q4 20240.20%
Q1 20250.12%
Q2 20250.26%
Q3 20250.30%
Q4 20250.31%
Q1 20260.55%
Q2 20260.48%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202661$741.1M10.28%0.73%0.48%94.4%
Q1 202664$719.2M10.46%0.70%0.55%89.2%
Q4 202561$713.9M10.37%0.78%0.31%89.1%
Q3 202561$708.3M10.36%0.80%0.30%85.7%
Q2 202558$702.8M10.41%1.08%0.26%86.9%
Q1 202561$705.7M10.39%0.69%0.12%84.0%
Q4 202461$693.8M10.54%0.69%0.20%86.5%
Q3 202462$737.5M9.93%0.60%0.27%83.6%
Q2 202461$736.4M9.89%0.69%0.24%82.8%

1,341 peers · $100 million – $1 billion

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 ratio10.28%
33rd
Problem loans0.73%
47th
Net charge-offs0.52%
34th
Return on assets0.48%
29th
Loans to deposits94.4%
8th
Uninsured deposits8.0%
29th
Loan-loss reserves0.00%
50th
Texas ratio5.9%
32nd

Similar-size credit unions in California

InstitutionScoreAssetsCapitalProblem loansCompare
The First Financial Federal Credit UnionCredit union Pasadena, CA56 out of 100, Moderate$748.3M7.0%0.66%vs
Uncle Credit UnionCredit union Livermore, CA54 out of 100, Below average$716.1M8.3%0.60%vs
Mypoint Credit UnionCredit union San Diego, CA58 out of 100, Moderate$704.5M8.6%0.27%vs
Foothill Federal Credit UnionCredit union Arcadia, CA73 out of 100, Strong$778.6M12.3%0.22%vs
America'S Christian Credit UnionCredit union Glendora, CA58 out of 100, Moderate$819.8M8.9%0.58%vs
Premier One Credit UnionCredit union San Jose, CA65 out of 100, Moderate$655.7M9.7%0.25%vs

Deposit insurance

Is my money safe at Usc Credit Union?

Yes. Usc Credit Union is a federally insured credit union (NCUA charter #68459). 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 8.0% of shares and deposits ($50.9M) are above the $250,000 NCUA insurance limit, above the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 10.28%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

3 locations

Branches

Usc Credit Union lists 3 offices in 1 city. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Usc Credit Union reported 205 home-loan applications under HMDA (LEI 2549001EL4XFDHGNJO24): 144 originated ($55,840,000 total), 36 denied, and 12 withdrawn or closed by the applicant. Its denial rate on decided applications was 18.7%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Usc Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
68459
RSSD ID
240084
Primary regulator
State + NCUA
Established
1973
Headquarters
PO Box 512718, Los Angeles, CA 90051
Employees
100

Quick answers

Usc Credit Union: common questions

Is Usc Credit Union NCUA insured?

Yes. Usc Credit Union is a federally insured credit union (NCUA charter #68459). 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 Usc 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 Usc Credit Union have?

3 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Los Angeles

InstitutionScoreAssetsCapitalProblem loansCompare
The Bank of New York Mellon Trust Company, National AssociationBank Los Angeles, CA100 out of 100, Very strong$1.4B63.5%0.00%vs
Long Beach Firemen S Credit UnionCredit union Long Beach, CA91 out of 100, Very strong$201.5M29.4%0.02%vs
California Adventist Federal Credit UnionCredit union Glendale, CA89 out of 100, Very strong$44.7M20.1%0.04%vs
Asian Pacific National BankBank San Gabriel, CA89 out of 100, Very strong$56.9M20.1%0.00%vs
California International Bank, N.A.Bank Westminster, CA89 out of 100, Very strong$120.9M13.5%0.00%vs
Hana Bank USA, National AssociationBank Fort Lee, NJ88 out of 100, Very strong$835.2M25.4%0.00%vs