University of Michigan

Ann Arbor, MI · 2 · Charter #61552 · www.umcu.org
Mid ($1B–$10B)Reporting period: Q4 2025Peer group: 446 CUs

Performance vs peers

Percentile rank within the Mid ($1B–$10B) peer group (446 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$1.4B
26th percentile
Members
122,134
52th percentile
Total loans
$1.1B
35th percentile
Total shares
$1.1B
21th percentile

Profitability

Return on assets
0.58%
21th percentile
Net interest margin
3.97%
90th percentile
Efficiency ratio
66.59%
5th percentile
Non-interest income ratio
18.19%
47th percentile

Capital & Risk

Net worth ratio
10.88%
53th percentile
Delinquency rate
0.91%
35th percentile
Net charge-off rate
0.53%
46th percentile
Loan-to-share
102.65%
84th percentile

Growth

Member growth YoY
2.55%
52th percentile
Asset growth YoY
4.25%
36th percentile
Loan growth YoY
7.57%
65th percentile
Share growth YoY
4.67%
42th percentile

Operations

Members / branch
7,184
44th percentile
Assets / member
$11,552
3th percentile
Field of membership penetration
24.04%
84th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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