U S #1364

MERRILLVILLE, IN · 1 · Charter #1364 · WWW.USFEDERALCU.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
$212.0M
92th percentile
Members
12,963
83th percentile
Total loans
$89.9M
71th percentile
Total shares
$183.4M
92th percentile

Profitability

Return on assets
1.19%
61th percentile
Net interest margin
2.74%
10th percentile
Efficiency ratio
47.65%
86th percentile
Non-interest income ratio
19.10%
60th percentile

Capital & Risk

Net worth ratio
13.84%
68th percentile
Delinquency rate
0.77%
47th percentile
Net charge-off rate
0.15%
75th percentile
Loan-to-share
49.04%
19th percentile

Growth

Member growth YoY
0.90%
68th percentile
Asset growth YoY
0.28%
21th percentile
Loan growth YoY
-1.83%
32th percentile
Share growth YoY
-1.26%
16th percentile

Operations

Members / branch
3,241
53th percentile
Assets / member
$16,351
65th percentile
Field of membership penetration
1.91%
27th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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