BlastPoint's Credit Union Scorecard
U.S.B. EMPLOYEES
Charter #5960 · CA
2556 CUs in <100M nationally
91 in CA
U.S.B. EMPLOYEES has 9 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.59% above tier average
- + 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
- + Deposit Growth Rate: Top 0.2% in tier
- + Asset Growth Rate: Top 0.2% in tier
- + AMR Growth Rate: Top 0.3% in tier
- + Efficiency Ratio: Top 4.6% in tier
Key Concerns
Areas that may need attention
- - Loan-to-Share Ratio: Bottom 1.6% in tier
- - Net Charge-Off Rate: Bottom 2.0% in tier
- - Total Loans: Bottom 4.3% in tier
- - Loan-to-Member Ratio (LMR): Bottom 4.4% in tier
- - Total Members: Bottom 7.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
303
+2.0% YoY+0.7% QoQ
|
-2.3K |
2,615
-1.9% YoY
|
60,320
+5.7% YoY
|
33,374
+5.7% YoY
|
Bottom 7.9% in tier |
| Assets |
$3.2M
+68.3% YoY-0.1% QoQ
|
$-26.9M |
$30.1M
+2.1% YoY
|
$1.3B
+6.2% YoY
|
$561.6M
+9.7% YoY
|
Bottom 13.7% in tier |
| Loans |
$206,161
-10.8% YoY-13.4% QoQ
|
$-15.6M |
$15.8M
-1.3% YoY
|
$856.7M
+6.3% YoY
|
$397.0M
+8.8% YoY
|
Bottom 4.3% in tier |
| Deposits |
$2.6M
+98.7% YoY-0.6% QoQ
|
$-23.1M |
$25.7M
+1.4% YoY
|
$1.1B
+7.1% YoY
|
$477.3M
+9.7% YoY
|
Bottom 13.8% in tier |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
AI-generated insights and rankings
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
1.2%
-567.0% YoY+870.4% QoQ
|
+0.6% |
0.6%
+10.8% YoY
|
0.5%
+14.3% YoY
|
0.7%
+15.9% YoY
|
75% |
| NIM |
2.7%
+19.2% YoY+9.8% QoQ
|
-1.2% |
4.0%
+4.0% YoY
|
3.3%
+7.0% YoY
|
3.8%
+5.1% YoY
|
Bottom 11.7% in tier |
| Efficiency Ratio |
50.6%
-54.6% YoY-32.8% QoQ
|
-32.0% |
82.6%
-2.3% YoY
|
80.7%
-1.8% YoY
|
79.7%
-3.3% YoY
|
Bottom 4.6% in tier |
| Delinquency Rate |
0.0%
-100.0% YoY
|
-1.6 |
1.6%
-3.1% YoY
|
0.7%
-40.0% YoY
|
1.3%
-2.1% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
8.0%
-55.1% YoY-12.8% QoQ
|
-52.6% |
60.6%
-3.1% YoY
|
68.6%
-1.3% YoY
|
67.4%
-1.7% YoY
|
Bottom 1.5% in tier |
| AMR |
$9,163
+78.5% YoY-2.3% QoQ
|
$-6K |
$14,783
-1.4% YoY
|
$28,728
+2.4% YoY
|
$19,687
+2.0% YoY
|
24% |
| CD Concentration | 0.0% | -24.4% | 24.4% | 21.7% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 9.2% | 7.8% | 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 (10 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
6
Deposit Growth Rate
growth
Value:
98.74%
Peer Median: -
#6 of 2556
Top 0.2% in <100M tier
7
Asset Growth Rate
growth
Value:
68.30%
Peer Median: -
#7 of 2556
Top 0.2% in <100M tier
9
AMR Growth Rate
growth
Value:
78.52%
Peer Median: -
#9 of 2556
Top 0.3% in <100M tier
118
Efficiency Ratio
profitability
Value:
50.57%
Peer Median: -
#118 of 2556
Top 4.6% in <100M tier
417
Member Growth Rate
growth
Value:
2.02%
Peer Median: -
#417 of 2556
Top 16.3% in <100M tier
607
Net Worth Ratio
risk
Value:
19.54%
Peer Median: -
#607 of 2556
Top 23.7% in <100M tier
Top Weaknesses (10 metrics)
2515
Loan-to-Share Ratio
balance_sheet
Value:
8.02%
Peer Median: -
#2515 of 2556
Bottom 1.6% in <100M tier
2505
Net Charge-Off Rate
risk
Value:
4.47%
Peer Median: -
#2505 of 2556
Bottom 2.0% in <100M tier
2447
Total Loans
balance_sheet
Value:
$206,161
Peer Median: -
#2447 of 2556
Bottom 4.3% in <100M tier
2445
Loan-to-Member Ratio (LMR)
engagement
Value:
$680.40
Peer Median: -
#2445 of 2556
Bottom 4.4% in <100M tier
2354
Total Members
engagement
Value:
303
Peer Median: -
#2354 of 2556
Bottom 7.9% in <100M tier
2256
Net Interest Margin (NIM)
profitability
Value:
2.71%
Peer Median: -
#2256 of 2556
Bottom 11.8% in <100M tier
2207
Total Assets
balance_sheet
Value:
$3.20M
Peer Median: -
#2207 of 2556
Bottom 13.7% in <100M tier
2203
Total Deposits
balance_sheet
Value:
$2.57M
Peer Median: -
#2203 of 2556
Bottom 13.8% in <100M tier
2072
Loan Growth Rate
growth
Value:
-10.81%
Peer Median: -
#2072 of 2556
Bottom 19.0% in <100M tier
1941
Average Member Relationship (AMR)
engagement
Value:
$9,163
Peer Median: -
#1941 of 2556
Bottom 24.1% in <100M tier