Uncle

LIVERMORE, CA · 2 · Charter #64482 · WWW.UNCLECU.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
$756.9M
84th percentile
Members
37,000
70th percentile
Total loans
$645.3M
93th percentile
Total shares
$667.2M
86th percentile

Profitability

Return on assets
1.04%
56th percentile
Net interest margin
3.87%
76th percentile
Efficiency ratio
58.58%
53th percentile
Non-interest income ratio
14.34%
24th percentile

Capital & Risk

Net worth ratio
7.73%
4th percentile
Delinquency rate
1.11%
24th percentile
Net charge-off rate
0.91%
14th percentile
Loan-to-share
96.71%
87th percentile

Growth

Member growth YoY
-3.58%
15th percentile
Asset growth YoY
1.25%
19th percentile
Loan growth YoY
1.06%
34th percentile
Share growth YoY
-2.79%
5th percentile

Operations

Members / branch
7,400
85th percentile
Assets / member
$20,458
78th percentile
Field of membership penetration
0.86%
13th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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