United Trades

TUALATIN, OR · 1 · Charter #10442 · www.unitedtradesfcu.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
$56.7M
8th percentile
Members
6,132
36th percentile
Total loans
$35.5M
21th percentile
Total shares
$48.1M
8th percentile

Profitability

Return on assets
0.52%
18th percentile
Net interest margin
3.85%
61th percentile
Efficiency ratio
72.24%
21th percentile
Non-interest income ratio
14.11%
35th percentile

Capital & Risk

Net worth ratio
12.81%
58th percentile
Delinquency rate
0.50%
65th percentile
Net charge-off rate
0.45%
37th percentile
Loan-to-share
73.81%
61th percentile

Growth

Member growth YoY
-3.36%
21th percentile
Asset growth YoY
-0.65%
17th percentile
Loan growth YoY
-2.67%
28th percentile
Share growth YoY
-3.43%
8th percentile

Operations

Members / branch
6,132
90th percentile
Assets / member
$9,246
10th percentile
Field of membership penetration
23.86%
73th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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