University

AUSTIN, TX · 1 · Charter #1367 · www.ufcu.org
Mid ($1B–$10B)Reporting period: Q4 2025Peer group: 446 CUs

Performance vs peers

Percentile rank within the Mid ($1B–$10B) peer group (446 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$4.2B
78th percentile
Members
417,920
95th percentile
Total loans
$3.0B
77th percentile
Total shares
$3.4B
78th percentile

Profitability

Return on assets
1.22%
65th percentile
Net interest margin
3.87%
88th percentile
Efficiency ratio
63.90%
9th percentile
Non-interest income ratio
31.79%
97th percentile

Capital & Risk

Net worth ratio
9.30%
18th percentile
Delinquency rate
1.19%
18th percentile
Net charge-off rate
1.16%
8th percentile
Loan-to-share
90.19%
52th percentile

Growth

Member growth YoY
5.46%
80th percentile
Asset growth YoY
5.84%
52th percentile
Loan growth YoY
-1.05%
15th percentile
Share growth YoY
3.89%
32th percentile

Operations

Members / branch
13,931
90th percentile
Assets / member
$10,047
1th percentile
Field of membership penetration
13.60%
74th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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