USB Employees Federal Credit Union
Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.6 on a scale of 0 to 10).
Other Rating Factors:
Weak liquidity 2.7, driven by a liquidity ratio of 30.1 percent and a “hot money” ratio of 0.0 percent. Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 32.6 and a net worth ratio of 32.6.
Asset Mix:
Securities (81%), consumer loans (11%), other (8%)
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Address
300 Falcon Street
Wilmington, CA 90744
Wilmington, CA 90744
Phone Number
(310) 830-0161
NCUA Charter Number
Largest Competitors
Tustin, CA
Sacramento, CA
San Jose, CA
San Diego, CA
Sunnyvale, CA