Urbana Municipal Employees

Urbana, IL · 2 · Charter #64568 · www.umecu-urbana.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
$5.0M
24th percentile
Members
769
28th percentile
Total loans
$3.0M
31th percentile
Total shares
$4.2M
26th percentile

Profitability

Return on assets
1.80%
87th percentile
Net interest margin
4.83%
79th percentile
Efficiency ratio
50.50%
82th percentile
Non-interest income ratio
4.30%
31th percentile

Capital & Risk

Net worth ratio
14.33%
46th percentile
Delinquency rate
1.57%
30th percentile
Net charge-off rate
0.04%
68th percentile
Loan-to-share
71.75%
66th percentile

Growth

Member growth YoY
2.95%
89th percentile
Asset growth YoY
17.14%
97th percentile
Loan growth YoY
-10.43%
23th percentile
Share growth YoY
17.63%
97th percentile

Operations

Members / branch
769
36th percentile
Assets / member
$6,440
26th percentile
Field of membership penetration
76.90%
89th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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