BlastPoint's Credit Union Scorecard
U.S.B. EMPLOYEES
Charter #5960 · CA
<100M
2508 CUs in <100M nationally
92 in CA
U.S.B. EMPLOYEES has 6 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.13% above tier average
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
- + Deposit Growth Rate: Top 0.2% in tier
- + Asset Growth Rate: Top 0.2% in tier
- + AMR Growth Rate: Top 0.2% in tier
- + Efficiency Ratio: Top 7.5% in tier
Key Concerns
Areas that may need attention
- - Loan-to-Share Ratio: Bottom 2.1% in tier
- - Fee Income Per Member: Bottom 4.7% in tier
- - Total Loans: Bottom 4.9% in tier
- - Loan-to-Member Ratio (LMR): Bottom 5.3% in tier
- - Total Members: Bottom 8.1% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
303
+2.0% YoY0% QoQ
|
-2.4K |
2,676
+1.6% YoY
|
57,202
-0.9% YoY
|
33,913
+5.7% YoY
|
Bottom 8.1% in tier |
| Assets |
$3.2M
+66.3% YoY+0.3% QoQ
|
$-27.0M |
$30.2M
+1.3% YoY
|
$1.2B
+0.4% YoY
|
$578.3M
+9.0% YoY
|
Bottom 13.5% in tier |
| Loans |
$263,092
-7.4% YoY+27.6% QoQ
|
$-15.0M |
$15.3M
-2.0% YoY
|
$813.8M
+0.1% YoY
|
$402.4M
+8.7% YoY
|
Bottom 4.9% in tier |
| Deposits |
$2.6M
+93.4% YoY+0.1% QoQ
|
$-23.2M |
$25.8M
+0.7% YoY
|
$1.0B
+1.2% YoY
|
$494.3M
+9.1% YoY
|
Bottom 13.6% in tier |
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| ROA |
1.3%
-170.2% YoY+5.7% QoQ
|
+1.1% |
0.1%
-77.6% YoY
|
2.1%
+290.7% YoY
|
0.4%
-39.2% YoY
|
79% |
| NIM |
2.8%
+37.3% YoY+4.0% QoQ
|
-1.2% |
4.0%
+4.0% YoY
|
5.0%
+56.5% YoY
|
3.8%
+4.1% YoY
|
Bottom 13.8% in tier |
| Efficiency Ratio |
54.8%
-84.1% YoY+8.4% QoQ
|
-35.8% |
90.6%
+6.5% YoY
|
81.3%
-2.7% YoY
|
84.6%
+2.8% YoY
|
Top 7.5% in tier |
| Delinquency Rate |
0.0%
-100.0% YoY
|
-1.5 |
1.5%
+3.8% YoY
|
0.6%
-45.1% YoY
|
1.2%
+3.4% YoY
|
Top 0.1% in tier |
| Loan To Share |
10.2%
-52.1% YoY+27.5% QoQ
|
-48.3% |
58.5%
-3.0% YoY
|
67.3%
-0.6% YoY
|
65.6%
-1.4% YoY
|
Bottom 2.0% in tier |
| AMR |
$9,355
+72.2% YoY+2.1% QoQ
|
$-6K |
$14,884
-1.7% YoY
|
$28,733
+1.2% YoY
|
$19,920
+1.6% YoY
|
25% |
| CD Concentration | 0.0% | -24.3% | 24.3% | 21.6% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 9.0% | 7.7% | 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 (12 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Median: 0.65%
#1 of 2508
Top 0.1% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 0.00%
#1 of 2508
Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 3.66%
#1 of 2508
Top 0.1% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 12.45%
#1 of 2508
Top 0.1% in <100M tier
5
Deposit Growth Rate
growth
Value:
93.38%
Peer Median: 0.66%
#5 of 2508
Top 0.2% in <100M tier
6
Asset Growth Rate
growth
Value:
66.32%
Peer Median: 1.30%
#6 of 2508
Top 0.2% in <100M tier
6
AMR Growth Rate
growth
Value:
72.15%
Peer Median: 1.27%
#6 of 2508
Top 0.2% in <100M tier
190
Efficiency Ratio
profitability
Value:
54.79%
Peer Median: 81.45%
#190 of 2508
Top 7.5% in <100M tier
426
Member Growth Rate
growth
Value:
2.02%
Peer Median: -1.37%
#426 of 2508
Top 16.9% in <100M tier
510
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: 0.07%
#510 of 2508
Top 20.3% in <100M tier
Top Weaknesses (9 metrics)
2456
Loan-to-Share Ratio
balance_sheet
Value:
10.23%
Peer Median: 58.72%
#2456 of 2508
Bottom 2.1% in <100M tier
2390
Fee Income Per Member
profitability
Value:
$0.00
Peer Median: $60.42
#2390 of 2508
Bottom 4.7% in <100M tier
2385
Total Loans
balance_sheet
Value:
$263,092
Peer Median: $9.48M
#2385 of 2508
Bottom 4.9% in <100M tier
2375
Loan-to-Member Ratio (LMR)
engagement
Value:
$868.29
Peer Median: $4,923
#2375 of 2508
Bottom 5.3% in <100M tier
2305
Total Members
engagement
Value:
303
Peer Median: 1,918
#2305 of 2508
Bottom 8.1% in <100M tier
2169
Total Assets
balance_sheet
Value:
$3.21M
Peer Median: $21.86M
#2169 of 2508
Bottom 13.6% in <100M tier
2167
Total Deposits
balance_sheet
Value:
$2.57M
Peer Median: $18.77M
#2167 of 2508
Bottom 13.6% in <100M tier
2162
Net Interest Margin (NIM)
profitability
Value:
2.82%
Peer Median: 3.83%
#2162 of 2508
Bottom 13.8% in <100M tier
1891
Average Member Relationship (AMR)
engagement
Value:
$9,355
Peer Median: $13,926
#1891 of 2508
Bottom 24.6% in <100M tier