University

MIAMI, FL · 2 · Charter #67348 · WWW.UCUMIAMI.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
$234.1M
97th percentile
Members
16,030
93th percentile
Total loans
$98.4M
75th percentile
Total shares
$206.8M
98th percentile

Profitability

Return on assets
0.10%
6th percentile
Net interest margin
2.60%
7th percentile
Efficiency ratio
71.11%
23th percentile
Non-interest income ratio
15.51%
41th percentile

Capital & Risk

Net worth ratio
10.39%
27th percentile
Delinquency rate
0.35%
77th percentile
Net charge-off rate
0.31%
52th percentile
Loan-to-share
47.57%
18th percentile

Growth

Member growth YoY
4.56%
92th percentile
Asset growth YoY
-1.94%
11th percentile
Loan growth YoY
4.45%
68th percentile
Share growth YoY
-0.20%
21th percentile

Operations

Members / branch
4,008
70th percentile
Assets / member
$14,601
51th percentile
Field of membership penetration
0.60%
7th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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