U.S.B. EMPLOYEES
Charter #5960 · Wilmington, CA · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 303 sits at the 16th percentile of structural peers — worth a closer look.
- Return on average assets of 1.28% ranks in the 82nd percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.09% ranks in the 8th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.00% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.00% ranks in the 21st percentile among structurally similar credit unions — a relative strength.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | U.S.B. EMPLOYEES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $3.21M | 43th pct | 18th pct |
| Members | 303 | 26th pct | 16th pct |
| Net worth ratio | 19.80% | 59th pct | 67th pct |
| Return on average assets | 1.28% | 79th pct | 82th pct |
| Net interest margin | 2.83% | 18th pct | 33th pct |
| Cost of funds | 0.09% | 20th pct | 8th pct |
| Loan-to-share | 10.23% | 6th pct | 2th pct |
| Delinquency 60+ days | 0.00% | 0th pct | 0th pct |
| Net charge-off ratio | 0.00% | 22th pct | 21th pct |
| Loan growth YoY | 10.58% | 93th pct | 97th pct |
| Share growth YoY | -0.57% | 44th pct | 44th pct |
| Efficiency ratio | 54.79% | 12th pct | 8th pct |
structural peer set hash: c7b6afe5212d33832bfa98e3223fde1b… (reproducible)
Closest structural peers
This is the free public view
Claim U.S.B. EMPLOYEES
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.