USC
Charter #68459 · Los Angeles, CA · $500M-$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 74,649 ranks in the 80th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 52nd percentile but its structural peers at the 31st — a 20-point gap showing why the peer definition matters.
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 | USC | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $719.19M | 52th pct | 31th pct |
| Members | 74,649 | 97th pct | 80th pct |
| Net worth ratio | 10.46% | 51th pct | 61th pct |
| Return on average assets | 0.55% | 44th pct | 48th pct |
| Net interest margin | 3.70% | 68th pct | 69th pct |
| Cost of funds | 1.38% | 42th pct | 28th pct |
| Loan-to-share | 89.24% | 76th pct | 57th pct |
| Delinquency 60+ days | 0.70% | 62th pct | 61th pct |
| Net charge-off ratio | 0.58% | 65th pct | 62th pct |
| Loan growth YoY | 5.61% | 92th pct | 93th pct |
| Share growth YoY | 1.38% | 16th pct | 21th pct |
| Efficiency ratio | 77.01% | 45th pct | 39th pct |
structural peer set hash: 6ade391c2c9df894fb41fc45c4b95c13… (reproducible)
Closest structural peers
This is the free public view
Claim USC
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.