Utility District

OAKLAND, CA · 2 · Charter #61085 · WWW.UDCU.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
$33.9M
82th percentile
Members
2,300
73th percentile
Total loans
$8.1M
58th percentile
Total shares
$30.7M
86th percentile

Profitability

Return on assets
0.86%
52th percentile
Net interest margin
3.45%
32th percentile
Efficiency ratio
75.20%
33th percentile
Non-interest income ratio
3.58%
27th percentile

Capital & Risk

Net worth ratio
8.83%
9th percentile
Delinquency rate
0.24%
69th percentile
Net charge-off rate
0.47%
34th percentile
Loan-to-share
26.35%
9th percentile

Growth

Member growth YoY
0.70%
75th percentile
Asset growth YoY
3.38%
65th percentile
Loan growth YoY
-19.34%
7th percentile
Share growth YoY
3.10%
65th percentile

Operations

Members / branch
1,150
52th percentile
Assets / member
$14,758
84th percentile
Field of membership penetration
65.71%
82th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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