BlastPoint's Credit Union Scorecard
U.S.B. EMPLOYEES
Charter #5960 · CA
2596 CUs in <100M nationally
92 in CA
U.S.B. EMPLOYEES has 7 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Asset Growth Rate: Top 0.2% in tier
- + Deposit Growth Rate: Top 0.2% in tier
- + AMR Growth Rate: Top 0.2% in tier
Key Concerns
Areas that may need attention
- - ROA 0.56% below tier average
- - Fee Income Per Member: Bottom 0.2% in tier
- - Net Charge-Off Rate: Bottom 1.7% in tier
- - Loan-to-Share Ratio: Bottom 1.8% in tier
- - Total Loans: Bottom 4.6% in tier
- - Loan-to-Member Ratio (LMR): Bottom 5.2% in tier
- - Net Interest Margin (NIM): Bottom 7.3% in tier
- - Total Members: Bottom 8.1% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
301
+1.0% YoY+0.7% QoQ
|
-2.3K |
2,625
-2.2% YoY
|
59,606
+5.7% YoY
|
33,089
+6.1% YoY
|
Bottom 8.1% in tier |
| Assets |
$3.2M
+66.6% YoY+0.2% QoQ
|
$-26.7M |
$29.9M
+1.1% YoY
|
$1.2B
+6.2% YoY
|
$547.7M
+7.8% YoY
|
Bottom 13.7% in tier |
| Loans |
$237,924
+2.3% YoY-13.7% QoQ
|
$-15.5M |
$15.8M
-2.4% YoY
|
$845.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
Bottom 4.5% in tier |
| Deposits |
$2.6M
+96.7% YoY-0.2% QoQ
|
$-22.9M |
$25.5M
+0.4% YoY
|
$1.0B
+8.8% YoY
|
$464.6M
+9.3% YoY
|
Bottom 14.1% in tier |
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| ROA |
0.1%
-146.5% YoY-128.2% QoQ
|
-0.6% |
0.7%
-731.4% YoY
|
0.6%
+30.0% YoY
|
0.7%
+273.4% YoY
|
21% |
| NIM |
2.5%
+9.7% YoY+11.1% QoQ
|
-1.5% |
3.9%
+3.8% YoY
|
3.3%
+6.5% YoY
|
3.7%
+5.0% YoY
|
Bottom 7.3% in tier |
| Efficiency Ratio |
75.3%
-32.7% YoY-42.3% QoQ
|
-6.1% |
81.4%
-2.4% YoY
|
79.3%
-6.2% YoY
|
79.1%
-3.3% YoY
|
43% |
| Delinquency Rate |
0.0%
-100.0% YoY-100.0% QoQ
|
-1.5 |
1.5%
-2.0% YoY
|
0.7%
-38.7% YoY
|
1.2%
-0.9% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
9.2%
-48.0% YoY-13.5% QoQ
|
-52.0% |
61.2%
-3.0% YoY
|
68.8%
-1.5% YoY
|
68.0%
-1.7% YoY
|
Bottom 1.6% in tier |
| AMR |
$9,383
+80.7% YoY-2.1% QoQ
|
$-5K |
$14,627
-2.7% YoY
|
$28,514
+2.8% YoY
|
$19,418
+1.3% YoY
|
26% |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
21.7%
+4.2% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
9.5%
-6.9% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)
Top Strengths (8 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
7
Asset Growth Rate
growth
Value:
66.57%
Peer Avg: -
#7 of 2596
Top 0.2% in <100M tier
7
Deposit Growth Rate
growth
Value:
96.72%
Peer Avg: -
#7 of 2596
Top 0.2% in <100M tier
7
AMR Growth Rate
growth
Value:
80.70%
Peer Avg: -
#7 of 2596
Top 0.2% in <100M tier
615
Member Growth Rate
growth
Value:
1.01%
Peer Avg: -
#615 of 2596
Top 23.7% in <100M tier
Top Weaknesses (10 metrics)
2592
Fee Income Per Member
profitability
Value:
$-43.90
Peer Avg: -
#2592 of 2596
Bottom 0.2% in <100M tier
2554
Net Charge-Off Rate
risk
Value:
4.90%
Peer Avg: -
#2554 of 2596
Bottom 1.7% in <100M tier
2551
Loan-to-Share Ratio
balance_sheet
Value:
9.20%
Peer Avg: -
#2551 of 2596
Bottom 1.8% in <100M tier
2478
Total Loans
balance_sheet
Value:
$237,924
Peer Avg: -
#2478 of 2596
Bottom 4.6% in <100M tier
2462
Loan-to-Member Ratio (LMR)
engagement
Value:
$790.45
Peer Avg: -
#2462 of 2596
Bottom 5.2% in <100M tier
2407
Net Interest Margin (NIM)
profitability
Value:
2.47%
Peer Avg: -
#2407 of 2596
Bottom 7.3% in <100M tier
2387
Total Members
engagement
Value:
301
Peer Avg: -
#2387 of 2596
Bottom 8.1% in <100M tier
2240
Total Assets
balance_sheet
Value:
$3.20M
Peer Avg: -
#2240 of 2596
Bottom 13.8% in <100M tier
2231
Total Deposits
balance_sheet
Value:
$2.59M
Peer Avg: -
#2231 of 2596
Bottom 14.1% in <100M tier
2057
Return on Assets (ROA)
profitability
Value:
0.12%
Peer Avg: -
#2057 of 2596
Bottom 20.8% in <100M tier