Universal

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

$94.6M

42^th percentile

Members

6,008

34^th percentile

Total loans

$28.3M

12^th percentile

Total shares

$83.1M

44^th percentile

Profitability

Return on assets

0.37%

11^th percentile

Net interest margin

2.90%

14^th percentile

Efficiency ratio

79.80%

7^th percentile

Non-interest income ratio

12.67%

28^th percentile

Capital & Risk

Net worth ratio

13.47%

64^th percentile

Delinquency rate

0.17%

89^th percentile

Net charge-off rate

0.01%

96^th percentile

Loan-to-share

34.10%

5^th percentile

Growth

Member growth YoY

-2.85%

26^th percentile

Asset growth YoY

1.67%

32^th percentile

Loan growth YoY

-10.57%

4^th percentile

Share growth YoY

1.63%

35^th percentile

Operations

Members / branch

2,003

21^th percentile

Assets / member

$15,745

61^th percentile

Field of membership penetration

60.08%

93^th percentile

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