Union Building Trades

Parsippany, NJ · 1 · Charter #21244 · www.ubtfcu.org
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$83.9M
34th percentile
Members
24,584
99th percentile
Total loans
$35.5M
21th percentile
Total shares
$70.6M
33th percentile

Profitability

Return on assets
0.05%
5th percentile
Net interest margin
4.04%
72th percentile
Efficiency ratio
93.42%
1th percentile
Non-interest income ratio
15.40%
40th percentile

Capital & Risk

Net worth ratio
12.96%
59th percentile
Delinquency rate
1.09%
29th percentile
Net charge-off rate
0.20%
67th percentile
Loan-to-share
50.32%
20th percentile

Growth

Member growth YoY
-1.44%
40th percentile
Asset growth YoY
0.58%
24th percentile
Loan growth YoY
-1.29%
34th percentile
Share growth YoY
0.22%
25th percentile

Operations

Members / branch
24,584
100th percentile
Assets / member
$3,414
0th percentile
Field of membership penetration
40.83%
86th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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