Union Pacific Streamliner

Omaha, NE · 1 · Charter #2260 · www.upcu.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
$19.9M
62th percentile
Members
2,472
76th percentile
Total loans
$16.9M
82th percentile
Total shares
$17.9M
64th percentile

Profitability

Return on assets
0.90%
54th percentile
Net interest margin
5.21%
87th percentile
Efficiency ratio
77.72%
28th percentile
Non-interest income ratio
21.60%
85th percentile

Capital & Risk

Net worth ratio
9.79%
14th percentile
Delinquency rate
0.64%
53th percentile
Net charge-off rate
0.31%
43th percentile
Loan-to-share
94.41%
90th percentile

Growth

Member growth YoY
-1.04%
54th percentile
Asset growth YoY
0.02%
42th percentile
Loan growth YoY
-0.08%
62th percentile
Share growth YoY
-0.72%
42th percentile

Operations

Members / branch
2,472
86th percentile
Assets / member
$8,051
40th percentile
Field of membership penetration
30.90%
44th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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