U. T.

Knoxville, TN · 1 · Charter #19448 · www.utfcu.org
Community ($250M–$1B)Reporting period: Q4 2025Peer group: 673 CUs

Performance vs peers

Percentile rank within the Community ($250M–$1B) peer group (673 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$561.6M
65th percentile
Members
25,742
44th percentile
Total loans
$459.9M
75th percentile
Total shares
$470.4M
63th percentile

Profitability

Return on assets
0.46%
16th percentile
Net interest margin
3.32%
40th percentile
Efficiency ratio
58.95%
50th percentile
Non-interest income ratio
12.24%
13th percentile

Capital & Risk

Net worth ratio
9.35%
23th percentile
Delinquency rate
0.18%
94th percentile
Net charge-off rate
0.20%
76th percentile
Loan-to-share
97.77%
89th percentile

Growth

Member growth YoY
-0.00%
44th percentile
Asset growth YoY
8.39%
77th percentile
Loan growth YoY
7.29%
67th percentile
Share growth YoY
7.60%
76th percentile

Operations

Members / branch
3,218
21th percentile
Assets / member
$21,816
82th percentile
Field of membership penetration
3.68%
45th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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