United Business & Industry

Plainville, CT · 1 · Charter #7244 · www.ubifcu.com/
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
$140.2M
68th percentile
Members
11,370
76th percentile
Total loans
$118.1M
85th percentile
Total shares
$123.9M
71th percentile

Profitability

Return on assets
1.57%
80th percentile
Net interest margin
4.06%
73th percentile
Efficiency ratio
54.20%
74th percentile
Non-interest income ratio
9.64%
14th percentile

Capital & Risk

Net worth ratio
10.97%
35th percentile
Delinquency rate
0.11%
93th percentile
Net charge-off rate
0.34%
49th percentile
Loan-to-share
95.34%
93th percentile

Growth

Member growth YoY
2.40%
82th percentile
Asset growth YoY
5.10%
61th percentile
Loan growth YoY
9.12%
84th percentile
Share growth YoY
4.29%
59th percentile

Operations

Members / branch
5,685
87th percentile
Assets / member
$12,331
32th percentile
Field of membership penetration
1.26%
20th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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