Union County Employees

Elizabeth, NJ · 1 · Charter #14329 · www.unioncountycreditunion.c
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
$6.8M
32th percentile
Members
1,016
37th percentile
Total loans
$1.8M
21th percentile
Total shares
$5.2M
31th percentile

Profitability

Return on assets
0.89%
53th percentile
Net interest margin
5.40%
90th percentile
Efficiency ratio
81.47%
21th percentile
Non-interest income ratio
4.20%
30th percentile

Capital & Risk

Net worth ratio
22.46%
81th percentile
Delinquency rate
1.64%
29th percentile
Net charge-off rate
0.45%
35th percentile
Loan-to-share
34.60%
16th percentile

Growth

Member growth YoY
-6.45%
12th percentile
Asset growth YoY
-1.90%
30th percentile
Loan growth YoY
-10.52%
23th percentile
Share growth YoY
-3.83%
26th percentile

Operations

Members / branch
no peer data
Assets / member
$6,715
28th percentile
Field of membership penetration
20.32%
33th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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