Virginia United Methodist

North Chesterfi, VA · 2 · Charter #62536 · www.tumcu.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
$15.7M
54th percentile
Members
2,783
81th percentile
Total loans
$13.6M
75th percentile
Total shares
$14.2M
57th percentile

Profitability

Return on assets
0.48%
34th percentile
Net interest margin
5.00%
83th percentile
Efficiency ratio
81.66%
21th percentile
Non-interest income ratio
21.15%
84th percentile

Capital & Risk

Net worth ratio
9.68%
14th percentile
Delinquency rate
4.17%
9th percentile
Net charge-off rate
0.13%
59th percentile
Loan-to-share
95.86%
91th percentile

Growth

Member growth YoY
0.25%
70th percentile
Asset growth YoY
-10.63%
4th percentile
Loan growth YoY
5.52%
80th percentile
Share growth YoY
-11.21%
6th percentile

Operations

Members / branch
2,783
90th percentile
Assets / member
$5,646
21th percentile
Field of membership penetration
9.28%
23th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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