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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 2019 Top 200 Healthiest Credit Unions in America. USSFCU was named in this exclusive group...again. This is back to back years that USSFCU has made this exclusive list. 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!  This is our second year being named to this list. 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 2019 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, 2018 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.

Members' Voice Testimonials

This credit union is the best, I love the customer service and you can't beat the interest rates. I'm happy to be a member of this great credit union.

USSFCU has always been accommodating, easy to work with, and staff are always kind. I have every intention of keeping my account with this bank for a long, long time.

The branch manager introduced herself and was extremely helpful. She stated that if there is anything we ever need to please let her know. Very positive experience!

Greta was absolutely amazing - as always. She makes me and my parents feel valued and supported. We are forever grateful. [The Credit Union] has been hugely supportive over many years. And we feel known and cared for.

Long as I have been with the credit union, I haven?t had any problems. I also like the protection on my account.

My overall experience at the credit union was exceptional. The staff was hospitable offering water, my service was timely and professional and the office was well lit and clean.

As a member for more than 40 years, i have always had great service from the USSFCU and know that they stand behind their great reputation.

A top rate Credit Union, [I'm] privileged to be part of! Thank you for all you do for our family! USSFCU Credit Union was able to resolve our financial situation - vehicle, personal loans, customer service/recommendations, within 6 months. We belonged to another credit union for over 20 years, with results not even close to comparison. We switched ...

Your people and products are amazing. The recent [online banking] overhaul is phenomenal. [I've] been electronic banking since Tele action phone banking - paying bills with my push button landline decades ago. USSFCU is light years ahead of everyone else in terms of ease of use and client experience!

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