U.P.S.

Cincinnati, OH · 3 · Charter #96799
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
$3.3M
18th percentile
Members
613
21th percentile
Total loans
$2.5M
27th percentile
Total shares
$2.8M
20th percentile

Profitability

Return on assets
-0.23%
12th percentile
Net interest margin
4.79%
78th percentile
Efficiency ratio
98.74%
7th percentile
Non-interest income ratio
17.26%
76th percentile

Capital & Risk

Net worth ratio
12.75%
36th percentile
Delinquency rate
0.54%
56th percentile
Net charge-off rate
1.08%
15th percentile
Loan-to-share
88.52%
86th percentile

Growth

Member growth YoY
-5.11%
17th percentile
Asset growth YoY
-0.72%
37th percentile
Loan growth YoY
2.84%
72th percentile
Share growth YoY
0.86%
52th percentile

Operations

Members / branch
307
13th percentile
Assets / member
$5,310
18th percentile
Field of membership penetration
12.26%
26th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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