U.P. Employees

NORTH LITTLE RO, AR · 1 · Charter #24435 · www.upemployees.org
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
$2.5M
15th percentile
Members
919
34th percentile
Total loans
$1.6M
20th percentile
Total shares
$2.3M
17th percentile

Profitability

Return on assets
-6.26%
1th percentile
Net interest margin
6.68%
98th percentile
Efficiency ratio
165.38%
1th percentile
Non-interest income ratio
9.35%
50th percentile

Capital & Risk

Net worth ratio
14.22%
45th percentile
Delinquency rate
3.05%
15th percentile
Net charge-off rate
0.67%
25th percentile
Loan-to-share
70.84%
64th percentile

Growth

Member growth YoY
0.00%
66th percentile
Asset growth YoY
-12.14%
3th percentile
Loan growth YoY
28.50%
98th percentile
Share growth YoY
-1.75%
36th percentile

Operations

Members / branch
460
21th percentile
Assets / member
$2,775
6th percentile
Field of membership penetration
100.00%
99th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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