Credit Union Safety Analysis
Is Usc Credit Union Safe? Los Angeles, California
Based on its Q2 2026 NCUA 5300 call report, Usc Credit Union has a net worth ratio of 10.28%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.73%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Usc Credit Union's net worth ratio is 10.28%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 10.28%
- Delinquency ratio (60+ days) (Q2 2026): 0.73%
- Return on assets (Q2 2026): 0.44%
- Loan-to-share ratio (Q2 2026): 94.43%
Usc Credit Union (NCUA charter 68459, established 1973) reported $741.1M in assets and 73,864 members for Q2 2026 from Los Angeles, California. It ranks 80 of 238 credit unions in California by total assets. Total assets grew 5.5% from $702.8M on June 30, 2025. It has 2,400 more members than on June 30, 2025 (+3.4%). Its net worth ratio was down 0.13 percentage points from 10.41% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $357.8M of $602.7M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.73% is above the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 1,341 credit unions with $100M to $1B in assets: 11.43%; middle half of peers: 9.81% to 13.58%.
Earlier filings: 10.46% for Q1 2026; 10.41% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.68%; middle half of peers: 0.39% to 1.12%.
Earlier filings: 0.70% for Q1 2026; 1.08% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.81%; middle half of peers: 0.43% to 1.23%.
Earlier filings: 0.55% for Q1 2026; 0.40% for Q2 2025.
Median of the 1,341 credit unions with $100M to $1B in assets: 75.66%; middle half of peers: 62.05% to 86.41%.
Earlier filings: 89.24% for Q1 2026; 86.87% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $357.8M
- Used vehicle loans: $116.6M
- New vehicle loans: $47.4M
- Other unsecured loans and lines of credit: $27.4M
- Non-federally guaranteed student loans: $26.0M
- Other secured non-real estate loans and lines of credit: $14.1M
- Unsecured credit card loans: $13.3M
- Commercial loans: $198K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $741.1M | 10.28% | 0.73% | 0.44% | 94.43% |
| March 31, 2026 | $719.2M | 10.46% | 0.70% | 0.55% | 89.24% |
| December 31, 2025 | $713.9M | 10.37% | 0.78% | 0.34% | 89.06% |
| September 30, 2025 | $708.3M | 10.36% | 0.80% | 0.39% | 85.67% |
| June 30, 2025 | $702.8M | 10.41% | 1.08% | 0.40% | 86.87% |
| March 31, 2025 | $705.7M | 10.39% | 0.69% | 0.12% | 84.04% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Regulator records: NCUA credit union profile (charter 68459) · FFIEC NIC profile (RSSD 240084)
Frequently asked questions
Is Usc Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Usc Credit Union's net worth ratio is 10.28%, above the 7% NCUA threshold for well capitalized.
Is Usc Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Usc Credit Union is a federally insured credit union (NCUA charter 68459): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Usc Credit Union's key safety ratios?
For Q2 2026, Usc Credit Union reports net worth 10.28%, delinquency 0.73%, ROA 0.44%, loan-to-share 94.43%.
What happens to my money if Usc Credit Union fails?
For Q2 2026, Usc Credit Union held $638.3M in shares and deposits for 73,864 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.