Utility Employees

ABERDEEN, WA · 1 · Charter #1851 · www.uefcuonline.com
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
$3.2M
18th percentile
Members
378
13th percentile
Total loans
$1.9M
22th percentile
Total shares
$2.6M
18th percentile

Profitability

Return on assets
0.30%
27th percentile
Net interest margin
3.38%
30th percentile
Efficiency ratio
57.22%
71th percentile
Non-interest income ratio
4.11%
30th percentile

Capital & Risk

Net worth ratio
18.63%
69th percentile
Delinquency rate
0.53%
56th percentile
Net charge-off rate
0.00%
90th percentile
Loan-to-share
74.54%
69th percentile

Growth

Member growth YoY
3.00%
89th percentile
Asset growth YoY
-9.45%
6th percentile
Loan growth YoY
-1.39%
57th percentile
Share growth YoY
-12.03%
5th percentile

Operations

Members / branch
378
17th percentile
Assets / member
$8,466
43th percentile
Field of membership penetration
75.60%
88th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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