Umatilla County

Pendleton, OR · 1 · Charter #23986 · www.umatillacfcu.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
$48.3M
99th percentile
Members
2,424
76th percentile
Total loans
$30.5M
98th percentile
Total shares
$39.4M
97th percentile

Profitability

Return on assets
0.67%
44th percentile
Net interest margin
2.71%
12th percentile
Efficiency ratio
56.02%
74th percentile
Non-interest income ratio
0.24%
8th percentile

Capital & Risk

Net worth ratio
18.29%
67th percentile
Delinquency rate
0.32%
65th percentile
Net charge-off rate
0.29%
44th percentile
Loan-to-share
77.49%
73th percentile

Growth

Member growth YoY
5.90%
94th percentile
Asset growth YoY
-0.75%
37th percentile
Loan growth YoY
3.56%
75th percentile
Share growth YoY
-2.01%
35th percentile

Operations

Members / branch
2,424
85th percentile
Assets / member
$19,922
96th percentile
Field of membership penetration
2.92%
14th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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