Charter 5960 · Wilmington, CA
U.s.b. Employees Federal Credit Union
U.s.b. Employees Federal Credit Union is a federally chartered credit union in Wilmington, California, with $3.2 million in assets and 299 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 20.23%, well above the 7% that NCUA's rules treat as well capitalized.
- Total assets
- $3.2 million
- +0.5% in a year
- Members
- 299
- +0.0% in a year
- Net worth ratio
- 20.23%
- Peer median 17.30%
- Loans 60+ days late
- 0.00%
- Peer median 0.86%
- Loans outstanding
- $240 thousand
- -12.8% in a year
- Shares and deposits
- $2.6 million
- -1.1% in a year
- Branches
- 1
- 1 employees
- Opened
- 1949
- Federal charter
How U.s.b. Employees Federal Credit Union compares
NCUA groups credit unions by size; U.s.b. Employees Federal Credit Union is in the group with $2 million to $10 million (539 credit unions). Its net worth ratio of 20.23% is higher than that group's median of 17.30%, and its share of loans 60 or more days past due, 0.00%, is lower than the group median of 0.86%. Loans fell 12.8% over the year to Q2 2026, against a group median of a 6.0% fall.
By assets it ranks 231 of 239 credit unions headquartered in California. See all California credit unions.
Five quarters of figures
| Quarter | Assets | Members | Loans | Net worth ratio | 60+ days late |
|---|---|---|---|---|---|
| Q2 2026 | $3.2 million | 299 | $240 thousand | 20.23% | 0.00% |
| Q1 2026 | $3.2 million | 303 | $263 thousand | 19.80% | 0.00% |
| Q4 2025 | $3.2 million | 303 | $206 thousand | 19.54% | 0.00% |
| Q3 2025 | $3.2 million | 301 | $238 thousand | 19.02% | 0.00% |
| Q2 2025 | $3.2 million | 299 | $276 thousand | 18.79% | 6.36% |
Assets Members
Who can join
The field of membership is the group a credit union is allowed to serve: people who live or work in an area, employees of certain companies, members of an association, and their families. The credit union's own website has the exact rules. On its call report it estimates its field of membership at about 598 potential members.
Credit unions that anyone in the US can join
Locations
NCUA's branch file lists 1 site for U.s.b. Employees Federal Credit Union. The branch count in the figures above comes from its call report, which is filed separately, so the two can differ slightly.
- USB EFCU (main office)
300 Falcon St, Wilmington, CA 90744
About these numbers
Figures come from the NCUA 5300 Call Report quarterly data for Q2 2026 (quarter ended June 30, 2026), which each credit union files itself. "60+ days late" is delinquent loans of two months or more divided by total loans. Peer medians are computed across every credit union in the same NCUA asset-size group. NCUA call report data · Methodology