United Nations

LONG ISLAND CIT, NY · 1 · Charter #5588 · www.unfcu.org
Large (>$10B)Reporting period: Q4 2025Peer group: 21 CUs

Performance vs peers

Percentile rank within the Large (>$10B) peer group (21 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$10.3B
0th percentile
Members
260,844
0th percentile
Total loans
$6.3B
0th percentile
Total shares
$9.3B
5th percentile

Profitability

Return on assets
1.16%
48th percentile
Net interest margin
2.63%
14th percentile
Efficiency ratio
46.24%
29th percentile
Non-interest income ratio
12.84%
33th percentile

Capital & Risk

Net worth ratio
9.47%
24th percentile
Delinquency rate
0.25%
100th percentile
Net charge-off rate
0.35%
95th percentile
Loan-to-share
67.70%
0th percentile

Growth

Member growth YoY
5.19%
67th percentile
Asset growth YoY
5.79%
43th percentile
Loan growth YoY
6.59%
52th percentile
Share growth YoY
4.71%
24th percentile

Operations

Members / branch
86,948
95th percentile
Assets / member
$39,418
95th percentile
Field of membership penetration
38.71%
81th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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