U.P.S. Employees

ONTARIO, CA · 1 · Charter #21532 · WWW.UPSCREDITUNION.ORG
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$47.8M
98th percentile
Members
5,183
98th percentile
Total loans
$35.9M
99th percentile
Total shares
$43.8M
100th percentile

Profitability

Return on assets
0.91%
54th percentile
Net interest margin
3.97%
49th percentile
Efficiency ratio
72.04%
39th percentile
Non-interest income ratio
18.85%
80th percentile

Capital & Risk

Net worth ratio
7.90%
5th percentile
Delinquency rate
0.22%
70th percentile
Net charge-off rate
0.28%
45th percentile
Loan-to-share
82.02%
79th percentile

Growth

Member growth YoY
-1.16%
53th percentile
Asset growth YoY
1.95%
56th percentile
Loan growth YoY
6.37%
83th percentile
Share growth YoY
1.36%
55th percentile

Operations

Members / branch
5,183
99th percentile
Assets / member
$9,223
50th percentile
Field of membership penetration
20.73%
33th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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