University & State Employees Credit Union · San Diego, CA United States
Company Description
Phone: 858-795-6100
Fax: 858-795-6007
View University & State Employees Credit Union Locations On A US Map
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This link will open in a new window Those living or working in California might find this information extremely USEful. University & State Employees Credit Union, which does business as USE Credit Union, is a not-for-profit financial institution serving members in Alameda, Sacramento, San Diego, Santa Clara, and Yolo counties. It serves its 80,000 members through about a dozen branches, offering individuals such consumer products and services as checking and savings accounts; auto, personal, home equity, and residential mortgage loans; and individual retirement accounts. USE Credit Union also is part of a shared branch network, which allows members to conduct business at more than 3,000 credit union locations around the US. To read the full description, subscribe now.
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Key University & State Employees Credit Union Financials
| Company Type | Private - Not-for-Profit Headquarters |
| Fiscal Year-End | December |
| Annual Sales (mil.) | $55.3 |
| Employees | 158 |
University & State Employees Credit Union Executives
15 executives listed for University & State Employees Credit Union's San Diego, CA location.
| Title | Name & Bio | Contact |
| Chairman | John Stevenson | Network |
| Vice Chair | Yvonne Marsh | Network |
| President and CEO | Jim Harris | Network |
Competition
Competitive Landscape for University & State Employees Credit Union
Demand for banking services is closely tied to economic activity and the level of interest rates. The profitability of individual banks depends on marketing skills, efficient operations, and good risk management. Large economies of scale exist in some segments of the industry, which has encouraged industry consolidation. Smaller banks can compete successfully in segments where customer service or knowledge of the local market is more important. The industry is capital-intensive and highly automated: annual revenue per employee is close to $300,000. Many banks and thrifts aggressively offered adjustable rate and subprime mortgages during the housing boom of the early 2000s only to find themselves saddled with loan defaults and extensive losses when the housing bubble burst. Deep exposure to subprime mortgages and mortgage-backed securities caused bank failures, government takeovers, and involuntary mergers. To read the full description, subscribe now.Top University & State Employees Credit Union Competitors
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