U. S. Employees

Chicago, IL · 2 · Charter #61793 · www.usemployees.org
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
$101.7M
47th percentile
Members
5,957
34th percentile
Total loans
$27.5M
11th percentile
Total shares
$88.2M
48th percentile

Profitability

Return on assets
1.27%
66th percentile
Net interest margin
3.95%
66th percentile
Efficiency ratio
72.25%
20th percentile
Non-interest income ratio
23.96%
79th percentile

Capital & Risk

Net worth ratio
12.85%
59th percentile
Delinquency rate
0.54%
62th percentile
Net charge-off rate
0.49%
34th percentile
Loan-to-share
31.19%
4th percentile

Growth

Member growth YoY
-8.21%
5th percentile
Asset growth YoY
2.37%
37th percentile
Loan growth YoY
-1.08%
35th percentile
Share growth YoY
1.37%
33th percentile

Operations

Members / branch
2,979
47th percentile
Assets / member
$17,069
71th percentile
Field of membership penetration
14.89%
66th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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