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USSFCU Named As One of the Top 200 Healthiest Credit Unions in the Nation

DepositAccounts.com, 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.

DepositAccounts.com 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, DepositAccounts.com 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.

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About DepositAccounts.com

DepositAccounts.com 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

USSFCU puts members first and helps people. Compared to U.S. banks, which forget their humble beginnings and often behave like (they are) above the law. Credit unions seem to have maintained their purpose and USSFCU is among the best. I am proud to be a member and grateful for the service provided by USSFCU.

I've been a member for about 31 years now and I've always been able to count on the USSFCU when I've really needed them.

Excellent customer service. Staff are knowledgeable, responsive and able to provide individualized help. I live in another state and am still amazed how easy it is to use USSFCU for all my financial needs. It has always been this way and with technology solutions, it is easier than ever. But it is the personal assistance that really makes the diffe...

Been a member for a very long time. I have always been treated with kindness and expertise. Keep up the good work!

Love the phone calls regarding possible suspicious activity with my account. It's reassuring to know that everything is safe.

I would recommend the USSFCU based on the excellent customer service I have received from the Senate Credit unions I have visited (Eisenhower and GAO).

Accessibility and customer service have been exceptional. I have been a member for almost 40 years and have always been satisfied with the service and professionalism of the staff.

USSFCU cares about those who bank with it and that caring is not lip service but translates into action.

I have been with the credit union for almost 15 years and all in all am extremely pleased with the service I have gotten. Definitely better than any bank.

Very personable, solution based and takes in interest in your situation.

Unfailing service by dedicated staff. I feel that USSFCU has my back. Staff has gone to bat for me whenever needed. I'm not aware on any mistake or inconvenience in my 30 years of membership. Excellent long term leadership, continuity and service by board.

Easy to become a member and superb customer support. I dealt with two different USSFCU representatives and they were fantastic. I was able to reach them immediately or if they were tied up they contacted me as soon as they became available. They helped me open an IRA and answered any and all questions with great attitudes and professionalism. They ...

The credit union provides relatively good services and the security updates to the system are noticeable.

It took a matter of minutes to open the account and purchase a CD. The credit union that I have done business with for about 40 years took more than a week to close a joint account and transfer the funds to a new account when my husband died.

Outstanding online and mobile banking services. Professional, Courteous, knowledgeable responsive staff!

I am very satisfied to belong to this institution and whenever I need support it is good to know that I count on you.

This credit union is the best, I love the customer service and you can?t beat the interest rates. And I?m happy to be a member of this great credit union.

Great staff helping all the time. Just a very well run company always good service.

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