Usem Mena

MENA, AR · 1 · Charter #18343 · www.usem.virtualcu.net/
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
$1.6M
10th percentile
Members
393
14th percentile
Total loans
$1.2M
16th percentile
Total shares
$1.1M
10th percentile

Profitability

Return on assets
0.85%
52th percentile
Net interest margin
4.90%
80th percentile
Efficiency ratio
68.10%
47th percentile
Non-interest income ratio
4.69%
33th percentile

Capital & Risk

Net worth ratio
34.41%
95th percentile
Delinquency rate
0.12%
76th percentile
Net charge-off rate
0.03%
70th percentile
Loan-to-share
111.54%
97th percentile

Growth

Member growth YoY
-3.44%
29th percentile
Asset growth YoY
-9.76%
5th percentile
Loan growth YoY
22.44%
97th percentile
Share growth YoY
-15.43%
3th percentile

Operations

Members / branch
393
18th percentile
Assets / member
$4,177
12th percentile
Field of membership penetration
39.30%
54th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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