U. S. Employees

Tomball, TX · 2 · Charter #66372 · www.usecuweb.com
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$86.6M
36th percentile
Members
7,537
49th percentile
Total loans
$36.3M
22th percentile
Total shares
$77.2M
39th percentile

Profitability

Return on assets
0.96%
45th percentile
Net interest margin
3.80%
58th percentile
Efficiency ratio
71.24%
23th percentile
Non-interest income ratio
15.72%
42th percentile

Capital & Risk

Net worth ratio
9.99%
23th percentile
Delinquency rate
0.39%
73th percentile
Net charge-off rate
0.77%
17th percentile
Loan-to-share
47.09%
17th percentile

Growth

Member growth YoY
-11.59%
2th percentile
Asset growth YoY
-1.06%
14th percentile
Loan growth YoY
-3.32%
25th percentile
Share growth YoY
-2.27%
11th percentile

Operations

Members / branch
3,769
65th percentile
Assets / member
$11,496
24th percentile
Field of membership penetration
35.89%
83th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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