U.S.B. Employees

Wilmington, CA · 1 · Charter #5960
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$3.2M
18th percentile
Members
303
10th percentile
Total loans
$206.2K
6th percentile
Total shares
$1.3M
11th percentile

Profitability

Return on assets
1.21%
68th percentile
Net interest margin
2.72%
12th percentile
Efficiency ratio
49.57%
83th percentile
Non-interest income ratio
10.06%
53th percentile

Capital & Risk

Net worth ratio
19.54%
72th percentile
Delinquency rate
0.00%
100th percentile
Net charge-off rate
4.47%
2th percentile
Loan-to-share
15.62%
3th percentile

Growth

Member growth YoY
2.02%
84th percentile
Asset growth YoY
68.30%
100th percentile
Loan growth YoY
-10.81%
22th percentile
Share growth YoY
2.05%
59th percentile

Operations

Members / branch
303
13th percentile
Assets / member
$10,552
61th percentile
Field of membership penetration
50.00%
66th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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