Wilmington, California · Peer group 2
U.S.B. Employees Credit Union
U.S.B. Employees Credit Union holds $3.2M in assets across 303 members as of Q1 2026 — about $11K of assets per member, on a charter dating to 1949. Charter number 5960, in the <$10M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $3.2M |
|---|---|
| Total loans | $263K |
| Total shares (deposits) | $2.6M |
| Net worth | $635K |
| Members | 303 |
| Assets per member | $11K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | 66.3% | |
|---|---|---|
| Loans | -7.4% | around the 41st percentile of its peer group |
| Deposits | 93.4% | higher than 100% of its peer group |
| Members | 2.0% | around the 83rd percentile of its peer group |
Ratios and peer position
Each ratio is shown against its percentile rank within this institution's own peer group. The absolute number is rarely the interesting part — a 96% loan-to-share is unremarkable in one peer group and an outlier in another.
| Loan-to-share | 10.2% | lower than 97% of its peer group |
|---|---|---|
| Net worth ratio | 19.8% | around the 61st percentile of its peer group |
| Return on assets | 1.28% | around the 82nd percentile of its peer group |
| Delinquency ratio | 0.00% | around the 11th percentile of its peer group |
| Cash / assets | 0.0% | lower than 100% of its peer group |
| Borrowings / assets | 0.0% | around the 49th percentile of its peer group |
What this page does not show
Everything above is U.S.B. Employees Credit Union’s own reported position. What a CUSignals subscription adds is the layer on top of it: a merger-susceptibility score and calibrated one-year probability, a franchise-value score, a liquidity-stress score and funding-need flag, participation buyer/seller classification, and buying-propensity scores across five software categories — each with the plain-English reason it moved, and each decomposable into the weights that produced it.
Similar credit unions
Closest in size within California — the comparison set a peer ratio is measured against.
- Chula Vista City Employees Credit Union
Chula Vista, CA
$3.2M · 498 members
- Columbus Club Credit Union
San Fernando, CA
$3.0M · 196 members
- Sunkist Employees Credit Union
Valencia, CA
$4.0M · 506 members
- Fountain Valley Credit Union
Fountain Valley, CA
$2.0M · 176 members
- Valley Agricultural Credit Union
SANTA PAULA, CA
$4.8M · 557 members
- Santa Maria Associated Employees Credit Union
Santa Maria, CA
$4.9M · 1,034 members
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