Universal Bank is a bank based in West Covina, California, established in 1954, with $373 million in total assets across 5 branches. By Trust Grade it ranks 90th of 117 banks we track in California. Its capital ratio of 17.9% is stronger than 95% of similarly sized banks, versus a California median of 11.7%. It was profitable over the most recent period, with a 0.38% return on assets. Consumers filed 3 complaints about Universal Credit Services, Inc with the CFPB — 8 per $1B in assets, a lower rate than 59% of peers.
How Universal Bank compares to California peers
How we graded Universal Bank
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (17.9% capital ratio)
- Profitable (ROA 0.38%)
- 8.0 complaints per $1B in assets
The Trust Grade is Bankzia’s independent, documented opinion computed from public FDIC/NCUA/CFPB data — not an official rating, and not a statement about the safety of insured deposits. Report a data error or dispute this grade →
Consumer complaints (CFPB)
3 complaints filed with the CFPB against Universal Credit Services, Inc — 8 per $1B in assets.
These records were matched to Universal Bank by name and may include complaints filed against other institutions with similar names. Complaint counts reflect what consumers reported to the CFPB and are not findings of wrongdoing. Report a mismatch →
Branch locations (5)
- 2575 Colorado Blvd, Los Angeles, CA 90041
- 3676 Rosemead Blvd, Rosemead, CA 91770
- 57 Wheeler Ave, Arcadia, CA 91006
- 3455 S Nogales St, West Covina, CA 91792
- 404 S Atlantic Blvd, Monterey Park, CA 91754
Are deposits at Universal Bank insured?
Yes. Universal Bank is an FDIC-insured bank (FDIC certificate #30722). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Universal Bank: frequently asked questions
Is Universal Bank a good bank?
Universal Bank earns a Bankzia Trust Grade of A (93/100, "Excellent"), based on a financial-strength score of 93/100 and a customer-experience score of 61.7/100. Strongly capitalized (17.9% capital ratio); Profitable (ROA 0.38%).
Is Universal Bank FDIC-insured?
Yes. Universal Bank is a FDIC-insured bank (FDIC certificate #30722). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is Universal Bank?
Universal Bank holds $373 million in total assets, ranking 90th of 117 banks we track in California. It operates 5 branches.
How many complaints does Universal Bank have?
Consumers filed 3 complaints about Universal Credit Services, Inc with the CFPB, or 8 per $1B in assets.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
