United Bay Community

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

$297.0M

15^th percentile

Members

18,848

21^th percentile

Total loans

$243.7M

35^th percentile

Total shares

$273.6M

21^th percentile

Profitability

Return on assets

0.67%

30^th percentile

Net interest margin

3.90%

77^th percentile

Efficiency ratio

71.31%

8^th percentile

Non-interest income ratio

17.38%

40^th percentile

Capital & Risk

Net worth ratio

7.39%

1^th percentile

Delinquency rate

0.76%

45^th percentile

Net charge-off rate

0.25%

70^th percentile

Loan-to-share

89.06%

72^th percentile

Growth

Member growth YoY

2.48%

73^th percentile

Asset growth YoY

4.53%

44^th percentile

Loan growth YoY

5.86%

59^th percentile

Share growth YoY

4.57%

49^th percentile

Operations

Members / branch

3,141

19^th percentile

Assets / member

$15,759

47^th percentile

Field of membership penetration

4.49%

51^th percentile

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