Employees United

Paris, TX · 1 · Charter #21904 · www.employeesunited.org
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
$12.2M
47th percentile
Members
1,161
42th percentile
Total loans
$3.0M
31th percentile
Total shares
$8.2M
42th percentile

Profitability

Return on assets
1.32%
73th percentile
Net interest margin
4.52%
70th percentile
Efficiency ratio
67.39%
48th percentile
Non-interest income ratio
6.51%
39th percentile

Capital & Risk

Net worth ratio
32.73%
94th percentile
Delinquency rate
0.03%
82th percentile
Net charge-off rate
0.39%
38th percentile
Loan-to-share
36.51%
18th percentile

Growth

Member growth YoY
-6.67%
11th percentile
Asset growth YoY
0.57%
46th percentile
Loan growth YoY
-0.70%
60th percentile
Share growth YoY
-0.96%
40th percentile

Operations

Members / branch
1,161
53th percentile
Assets / member
$10,493
60th percentile
Field of membership penetration
23.22%
36th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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