U.S.B. Employees Wilmington, CA · Charter 5960 · Peer group: credit unions under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area (n=62)
NCUA · 1 branch
Q2 2026
$3.2M Assets
$240K Loans
$2.6M Shares
$649K Net Worth
Executive Summary Strongest standing: nonperforming loans / loans outperforms 100% of credit unions under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area (rank 6 of 62). Widest gap: net interest margin trails 66% of credit unions under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area (rank 41 of 62). Overall: at or above the peer median on 6 of 7 directional measures. Return on Assets
1.56%
Rank 4 of 62
Net Interest Margin
3.05%
Rank 41 of 62
Efficiency Ratio
48.98%
Rank 3 of 62
Equity / Assets
20.22%
Rank 11 of 62
Metric Your Credit Union Peer 25th Peer Median Peer 75th Standing Rank Peer Position Earnings Return on Assets 1.56% 0.01% 0.47% 0.92% Beats 94% 4 / 62 Return on Equity 7.70% 0.18% 3.35% 5.66% Beats 82% 11 / 62 Net Interest Margin 3.05% 2.88% 3.31% 3.93% Beats 34% 41 / 62 Efficiency Ratio 48.98% 71.17% 84.14% 92.47% Beats 97% 3 / 62 Asset Quality Nonperforming Loans / Loans 0.00% 0.22% 0.52% 0.99% Beats 100% 6 / 62 Net Charge-Offs / Loans n/a Not reported for this institution Capital Tier 1 Capital Ratio 20.22% 9.30% 12.20% 16.33% Beats 82% 11 / 62 Total Risk-Based Capital Ratio n/a Not reported for this institution Equity / Assets 20.22% 9.30% 12.20% 16.33% Beats 82% 11 / 62 Liquidity & Funding Loans / Deposits 9.36% 48.69% 57.00% 84.55% 2nd pctl 61 / 62 Loans / Assets 7.48% 42.93% 53.05% 69.62% 2nd pctl 61 / 62 Brokered Deposits / Deposits n/a Not reported for this institution
Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Peer statistics computed across credit unions under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area; percentile is the share of peers with a lower reported value. Each ratio is ranked only among the institutions that reported it, so the denominator in the Rank column varies by measure. Income-statement figures on this page are year-to-date as filed, annualized, because the peer percentiles are computed on that basis. Performance Trends defaults to the discrete quarter, so the same measure can read differently there in any quarter but the first, where year-to-date and the quarter cover the same period. Peer comparisons use ratios standardized identically across all institutions and can differ from as-filed figures. Subchapter S banks are restated to an after-tax equivalent at 21.50%, the median effective tax rate of the 2,758 C-corporation banks filing for this quarter. The rate is recomputed each quarter, and C-corporation figures are unchanged. Peer groups below the disclosure floor are suppressed.
CallReports · callreports.ai · Peer Comparison Generated 2026-10-11