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USSFCU Named As One of the Top 200 Healthiest Credit Unions in the Nation, a subsidiary of LendingTree, has released its list of the 2018 Top 200 Healthiest Credit Unions in America. USSFCU was named in this exclusive group, landing inside the Top 100 in the nation. evaluates the financial health of over 11,000 banks and credit unions in the United States once per quarter. To determine bank ranking and recognition, grades each institution on a number of factors, including capitalization, deposit growth, and loan-to-reserve ratios. USSFCU scored an A+ on capitalization, deposit growth, and loan-to-reserve ratio!  We ranked #79 out of 5,573 federally insured credit unions evaluated, placing inside the Top 100 of the Top 200. Being recognized in the Top 200 further solidifies our proven commitment to providing the best possible products, service, and stability for our members.

For a complete listing of the 2018 Top 200 Healthiest Credit Unions in America by clicking here.

Learn more about our health score by clicking here.

Click the button below to speak with one of our Member Service Specialists and find out how USSFCU can help you get financially fit.

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A+ Texas Ratio

The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of December 31, 2017 United States Senate Federal Credit Union had $1.8 million in non-current loans and owned real-estate with $84.25 million in equity and loan loss allowances on hand to cover it. This gives United States Senate Federal Credit Union a Texas Ratio of 2.14% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

A+ Deposit Growth

In the past year, United States Senate Federal Credit Union has increased its total non-brokered deposits by $56.38 million, resulting in 10.58% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth United States Senate Federal Credit Union has shown is excellent.

A+ Capitalization

Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. United States Senate Federal Credit Union has $673.8 million in assets with $84.25 million in equity, resulting in a capitalization level of 12.50%, which is excellent.


About is the largest and most comprehensive online publication in the U.S. dedicated to banking and deposits product information for consumers. It covers every federally insured bank and credit union and utilizes its patented technology to track approximately 275,000 consumer deposit rates, each updated nightly. The site features more than 11,000 editorial articles detailing depository strategies and highlighting current bank rates and offers. It is also home to one of the largest communities of depositors on the Web, hosting more than 100,000 comments, customer reviews, and forum threads.