U. S. I.

Deer Park, TX · 1 · Charter #13132 · www.usifcu.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
$25.5M
71th percentile
Members
2,091
68th percentile
Total loans
$20.6M
90th percentile
Total shares
$16.1M
61th percentile

Profitability

Return on assets
1.03%
61th percentile
Net interest margin
4.74%
77th percentile
Efficiency ratio
66.00%
51th percentile
Non-interest income ratio
12.14%
60th percentile

Capital & Risk

Net worth ratio
22.24%
81th percentile
Delinquency rate
3.41%
13th percentile
Net charge-off rate
1.97%
7th percentile
Loan-to-share
128.56%
99th percentile

Growth

Member growth YoY
3.77%
91th percentile
Asset growth YoY
19.52%
98th percentile
Loan growth YoY
5.95%
81th percentile
Share growth YoY
28.62%
99th percentile

Operations

Members / branch
2,091
79th percentile
Assets / member
$12,177
72th percentile
Field of membership penetration
69.70%
85th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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