C U P

Provo, UT · 1 · Charter #13833 · www.cupfcu.com
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$9.9M
41th percentile
Members
790
29th percentile
Total loans
$7.7M
57th percentile
Total shares
$8.4M
42th percentile

Profitability

Return on assets
0.59%
40th percentile
Net interest margin
3.93%
48th percentile
Efficiency ratio
50.20%
83th percentile
Non-interest income ratio
1.73%
18th percentile

Capital & Risk

Net worth ratio
11.57%
27th percentile
Delinquency rate
0.00%
100th percentile
Net charge-off rate
0.17%
54th percentile
Loan-to-share
91.56%
88th percentile

Growth

Member growth YoY
6.76%
95th percentile
Asset growth YoY
11.24%
93th percentile
Loan growth YoY
9.47%
89th percentile
Share growth YoY
12.49%
94th percentile

Operations

Members / branch
395
18th percentile
Assets / member
$12,470
74th percentile
Field of membership penetration
41.58%
56th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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