Ume

Burbank, CA · 1 · Charter #3945 · www.umecreditunion.com
Community ($250M–$1B)Reporting period: Q4 2025Peer group: 673 CUs

Performance vs peers

Percentile rank within the Community ($250M–$1B) peer group (673 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$340.7M
27th percentile
Members
17,446
15th percentile
Total loans
$166.2M
10th percentile
Total shares
$310.9M
33th percentile

Profitability

Return on assets
0.76%
36th percentile
Net interest margin
2.37%
5th percentile
Efficiency ratio
49.86%
82th percentile
Non-interest income ratio
15.92%
31th percentile

Capital & Risk

Net worth ratio
8.86%
15th percentile
Delinquency rate
0.19%
93th percentile
Net charge-off rate
0.28%
65th percentile
Loan-to-share
53.47%
7th percentile

Growth

Member growth YoY
0.32%
47th percentile
Asset growth YoY
-3.07%
5th percentile
Loan growth YoY
3.51%
47th percentile
Share growth YoY
5.40%
57th percentile

Operations

Members / branch
17,446
99th percentile
Assets / member
$19,531
74th percentile
Field of membership penetration
17.45%
82th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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