USC Credit Union


Overview / Commentary
213-821-7100
3720 S Flower St FL 4
Los Angeles, CA 90089

USC Credit Union is headquartered in Los Angeles and is the 76th largest credit union in the state of California. It is also the 539th largest credit union in the nation. It was established in 1973 and as of September of 2022, it had grown to 99 employees and 77,498 members at 2 locations. USC Credit Union has a B health rating.

Field of Membership Restrictions

USC Credit Union membership is open to: (1) Those who live, work, worship or attend school in the City of Los Angeles or Orange County, California. (2) Employees, students, or faculty of the University of Southern California, and members of the USC Alumni Association. (3) Any business, corporation or other legal entity in Los Angeles city or Orange County. (4) Any immediate family or household member, and employees of the Credit Union. (5) Employees of the following employers in the following cities: Los Angeles Child Guidance, Inc., John Tracy Clinic, Health Research Association, and Kenneth Norris Jr. Cancer Hospital in Los Angeles, and Woodbury University in Burbank, California.
See current membership details

Reviews (2)

Excellent Credit Union

Posted by: |

This credit union really goes out of its way to provide for its customers. I needed a loan for a car, and despite having recently graduated, I was able to get one at a very good rate. This is a credit union that cares about its members, and is more about helping its members get what they need than just eating up more interest. The customer service is great, and all the people I spoke to were very cordial.

USC Credit Union: A lot to like and a lot to not like

I was a customer of USC Credit Union for over five years. I had a checking account and a savings account, both of which were my my primary means of managing money. In some ways, the credit union was state of the art: My direct deposited paychecks arrived like clockwork; they were fair and consistent with hold times for non-payroll checks; I never ran into unexpected or unfair fees from them; the two branches were clean and usually not crowded. But there were a few problems that never improved over the five years: One was the lack of staffing within the bank. Sometimes, transactions with a teller could happen immediately and be done in 30 seconds. Other times, I'd be stuck behind someone with a complicated issue and a 5-minute trip to the credit union on my lunch break turned into a 30-minute ordeal. The second problem is that for a seemingly state-of-the-art financial institution affiliated with a tech-savvy major university, the credit union's website and app were really low-tech and inefficient. Bill paying was either impossible or non-existent. Applying for new accounts or products involved printing out paper forms. The only real capability of the app or website was checking transaction history and even then, some details (time of transaction, funds being held, etc.) were unavailable.



Health

Health Grade Components

Overall
NCUA #68459
Year Chartered1973
Employees99
Primary Regulator
Profit Margin
Return on Assets - YTD0.15%
Return on Equity - YTD3.05%
Annual Interest Income$13.7MM
Assets and Liabilities
AssetsQ3 2022vs Q3 2021$755.9MM$752.3MM
LoansQ3 2022vs Q3 2021$518.7MM$419.9MM
DepositsQ3 2022vs Q3 2021$704.9MM$686.6MM
Equity CapitalQ3 2022vs Q3 2021$38.4MM$54.1MM
Loan Loss AllowanceQ3 2022vs Q3 2021$1.2MM$2.2MM
Unbacked Noncurrent LoansQ3 2022vs Q3 2021$3.5MM$1.1MM
Real Estate OwnedQ3 2022vs Q3 2021$0$0
Rates

Rates for USC Credit Union are currently being reviewed.

Locations


USC Credit Union Locations
Branch Office3720 S Flower St FL 1Los Angeles, CA 90089
Branch Office1969 Zonal Ave Ste 101BLos Angeles, CA 90033

The financial institution, product, and APY (Annual Percentage Yield) data displayed on this website is gathered from various sources and may not reflect all of the offers available in your region. Although we strive to provide the most accurate data possible, we cannot guarantee its accuracy. The content displayed is for general information purposes only; always verify account details and availability with the financial institution before opening an account. Contact [email protected] to report inaccurate info or to request offers be included in this website. We are not affiliated with the financial institutions included in this website.