USC

Charter #68459 | CA

500M-750M (169 CUs) Community (281 CUs)
10 500M-750M in CA

USC has 5 strengths but faces 13 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Wallet Share Momentum: Top 2.1% in tier
  • + Relationship Depth Leader: Top 10.9% in tier
  • + Members Per Employee (MPE): Top 1.2% in tier
  • + Total Members: Top 1.2% in tier
  • + AMR Growth Rate: Top 4.7% in tier

Key Concerns

Areas that may need attention

  • - Membership Headwinds: Bottom 2.0% in tier
  • - Credit Quality Pressure: Bottom 14.2% in tier
  • - Stagnation Risk: Bottom 19.1% in tier
  • - Efficiency Drag: Bottom 20.4% in tier
  • - Growth-at-Risk: Bottom 20.6% in tier
  • - ROA 0.36% below tier average
  • - Efficiency ratio 5.21% above tier (higher cost structure)
  • - Delinquency rate 0.00% above tier average
  • - Member decline: -10.5% YoY
  • - Fee Income Per Member: Bottom 0.6% in tier
  • - Member Growth Rate: Bottom 1.2% in tier
  • - Average Member Relationship (AMR): Bottom 3.6% in tier
  • - Loan-to-Member Ratio (LMR): Bottom 9.5% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Members 73,178
-10.5% YoY+2.4% QoQ
 +33.4K 39,752
-2.7% YoY
 59,606
+5.7% YoY
 33,089
+6.1% YoY
 Top 1.8% in tier
Assets $708.3M
-4.0% YoY+0.8% QoQ
 +$85.9M $622.4M
+0.3% YoY
 $1.2B
+6.2% YoY
 $547.7M
+7.8% YoY
 Top 19.5% in tier
Loans $533.3M
+3.1% YoY-0.8% QoQ
 +$97.4M $435.9M
-0.4% YoY
 $845.5M
+7.1% YoY
 $388.7M
+8.6% YoY
 Top 18.9% in tier
Deposits $622.5M
+0.7% YoY+0.6% QoQ
 +$84.5M $538.0M
+1.3% YoY
 $1.0B
+8.8% YoY
 $464.6M
+9.3% YoY
 Top 13.6% in tier
ROA 0.3%
+11.4% YoY+16.4% QoQ
 -0.4% 0.7%
+33.9% YoY
 0.6%
+30.0% YoY
 0.7%
+273.4% YoY
 27th in tier
NIM 3.3%
+7.2% YoY+1.7% QoQ
 -0.1% 3.4%
+8.6% YoY
 3.3%
+6.5% YoY
 3.7%
+5.0% YoY
 36th in tier
Efficiency Ratio 83.3%
-1.0% YoY+0.6% QoQ
 +5.2% 78.1%
-3.4% YoY
 79.3%
-6.2% YoY
 79.1%
-3.3% YoY
 73rd in tier
Delinquency Rate 0.8%
+33.8% YoY-26.0% QoQ
 +0.0 0.8%
-4.9% YoY
 0.7%
-38.7% YoY
 1.2%
-0.9% YoY
 61st in tier
Loan To Share 85.7%
+2.5% YoY-1.4% QoQ
 +4.6% 81.0%
-1.8% YoY
 68.8%
-1.5% YoY
 68.0%
-1.7% YoY
 57th in tier
AMR $15,795
+13.7% YoY-2.4% QoQ
 $-11K $26,482
+2.6% YoY
 $28,514
+2.8% YoY
 $19,418
+1.3% YoY
 Bottom 3.0% in tier
CD Concentration 20.2%
+4.4% YoY+5.1% QoQ
 -4.2% 24.4%
+4.2% YoY
 21.7%
+4.2% YoY
 19.6%
+6.2% YoY
 36th in tier
Indirect Auto % 12.6%
+77.9% YoY+17.1% QoQ
 -1.3% 14.0%
-5.8% YoY
 9.5%
-6.9% YoY
 7.9%
-2.9% YoY
 58th in tier

Signature Analysis

Strengths (2)

Wallet Share Momentum

growth
#58 of 1006 • Top 2.1% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 13.70%
(Tier: 3.68%, National: 4.19%)
better than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Relationship Depth Leader

growth
#302 of 1006 • Top 10.9% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 13.70%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $2.1K
(Tier: $2.8K, National: $2.0K)
but worse than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Concerns (5)

Membership Headwinds

decline
#33 of 550 • Bottom 2.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature
Member Growth (YoY): -10.47%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
550 of 281 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | New qualifier

Credit Quality Pressure

risk
#353 of 736 • Bottom 14.2% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.20% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
736 of 281 Community CUs have this signature | 1002 nationally
↓ Shrinking -199 CUs YoY | New qualifier

Stagnation Risk

risk
#315 of 550 • Bottom 19.1% in tier

Membership is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.

Why This Signature
Return on Assets: 0.30%
(Tier: 0.77%, National: 0.71%)
worse than tier avg
Member Growth (YoY): -10.47%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $15.8K
(Tier: $25.0K, National: $19.4K)
worse than tier avg
CD Concentration: 20.23%
(Tier: 24.41%, National: 19.60%)
but better than tier avg
550 of 281 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | New qualifier

Efficiency Drag

risk
#361 of 521 • Bottom 20.4% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature
Efficiency Ratio: 83.31%
(Tier: 77.15%, National: 79.10%)
worse than tier avg
ROA Change (YoY): 0.03% points
(Tier: 0.11% points, National: 0.05% points)
worse than tier avg
Member Growth (YoY): -10.47%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
521 of 281 Community CUs have this signature | 624 nationally
↓ Shrinking -113 CUs YoY | Rank worsening

Growth-at-Risk

risk
#309 of 446 • Bottom 20.6% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature
Loan Growth (YoY): 3.14%
(Tier: 3.64%, National: 36.38%)
worse than tier avg
Delinquency Change (YoY): 0.20% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
446 of 281 Community CUs have this signature | 646 nationally
↓ Shrinking -77 CUs YoY | New qualifier

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)

Comparing against 169 peers in tier

Top Strengths (7 metrics)

3
Members Per Employee (MPE)
engagement
Value: 690.358
Peer Avg: 338.010
#3 of 169 Top 1.2% in 500M-750M tier
3
Total Members
engagement
Value: 73,178
Peer Avg: 39,752
#3 of 169 Top 1.2% in 500M-750M tier
9
AMR Growth Rate
growth
Value: 13.70%
Peer Avg: 3.12%
#9 of 169 Top 4.7% in 500M-750M tier
23
Total Deposits
balance_sheet
Value: $622.55M
Peer Avg: $538.02M
#23 of 169 Top 13.0% in 500M-750M tier
32
Total Loans
balance_sheet
Value: $533.31M
Peer Avg: $435.95M
#32 of 169 Top 18.3% in 500M-750M tier
33
Total Assets
balance_sheet
Value: $708.28M
Peer Avg: $622.38M
#33 of 169 Top 18.9% in 500M-750M tier
41
Share Certificate Concentration (%)
balance_sheet
Value: 20.23%
Peer Avg: 26.87%
#41 of 169 Top 23.7% in 500M-750M tier

Top Weaknesses (6 metrics)

169
Fee Income Per Member
profitability
Value: $67.87
Peer Avg: $199.27
#169 of 169 Bottom 0.6% in 500M-750M tier
168
Member Growth Rate
growth
Value: -10.47%
Peer Avg: 1.75%
#168 of 169 Bottom 1.2% in 500M-750M tier
164
Average Member Relationship (AMR)
engagement
Value: $15,795
Peer Avg: $26,482
#164 of 169 Bottom 3.6% in 500M-750M tier
154
Loan-to-Member Ratio (LMR)
engagement
Value: $7,288
Peer Avg: $11,805
#154 of 169 Bottom 9.5% in 500M-750M tier
152
Asset Growth Rate
growth
Value: -3.96%
Peer Avg: 4.33%
#152 of 169 Bottom 10.7% in 500M-750M tier
132
Deposit Growth Rate
growth
Value: 0.66%
Peer Avg: 5.25%
#132 of 169 Bottom 22.5% in 500M-750M tier