Usc

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

$713.9M

79^th percentile

Members

73,723

98^th percentile

Total loans

$555.7M

85^th percentile

Total shares

$615.7M

80^th percentile

Profitability

Return on assets

0.58%

25^th percentile

Net interest margin

3.31%

39^th percentile

Efficiency ratio

62.37%

36^th percentile

Non-interest income ratio

13.93%

20^th percentile

Capital & Risk

Net worth ratio

10.30%

40^th percentile

Delinquency rate

0.78%

44^th percentile

Net charge-off rate

0.50%

40^th percentile

Loan-to-share

90.26%

74^th percentile

Growth

Member growth YoY

-10.08%

2^th percentile

Asset growth YoY

2.91%

33^th percentile

Loan growth YoY

4.83%

54^th percentile

Share growth YoY

1.48%

22^th percentile

Operations

Members / branch

18,431

99^th percentile

Assets / member

$9,684

3^th percentile

Field of membership penetration

0.54%

7^th percentile

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