U.A.L.U. 354

YOUNGWOOD, PA · 1 · Charter #23174
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
$6.7M
32th percentile
Members
1,568
54th percentile
Total loans
$4.0M
37th percentile
Total shares
$5.9M
34th percentile

Profitability

Return on assets
-1.42%
4th percentile
Net interest margin
5.22%
87th percentile
Efficiency ratio
78.73%
26th percentile
Non-interest income ratio
1.19%
15th percentile

Capital & Risk

Net worth ratio
11.50%
26th percentile
Delinquency rate
0.20%
71th percentile
Net charge-off rate
4.73%
2th percentile
Loan-to-share
67.05%
59th percentile

Growth

Member growth YoY
-0.76%
57th percentile
Asset growth YoY
-2.46%
28th percentile
Loan growth YoY
-17.86%
8th percentile
Share growth YoY
-1.34%
38th percentile

Operations

Members / branch
1,568
66th percentile
Assets / member
$4,271
12th percentile
Field of membership penetration
53.39%
70th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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