United Members

TULSA, OK · 1 · Charter #9248 · www.unitedmembersfcu.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
$10.6M
43th percentile
Members
1,226
44th percentile
Total loans
$3.2M
32th percentile
Total shares
$8.7M
43th percentile

Profitability

Return on assets
0.32%
28th percentile
Net interest margin
2.84%
16th percentile
Efficiency ratio
74.38%
34th percentile
Non-interest income ratio
11.74%
58th percentile

Capital & Risk

Net worth ratio
17.97%
66th percentile
Delinquency rate
1.08%
39th percentile
Net charge-off rate
0.61%
28th percentile
Loan-to-share
36.57%
18th percentile

Growth

Member growth YoY
-0.49%
61th percentile
Asset growth YoY
-8.48%
8th percentile
Loan growth YoY
6.70%
84th percentile
Share growth YoY
-10.24%
8th percentile

Operations

Members / branch
307
13th percentile
Assets / member
$8,686
45th percentile
Field of membership penetration
81.73%
92th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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