United Consumers

INDEPENDENCE, MO · 2 · Charter #68410 · www.uccumo.com
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
$211.7M
92th percentile
Members
16,704
94th percentile
Total loans
$155.6M
96th percentile
Total shares
$184.9M
93th percentile

Profitability

Return on assets
1.80%
87th percentile
Net interest margin
3.75%
55th percentile
Efficiency ratio
57.33%
66th percentile
Non-interest income ratio
31.69%
94th percentile

Capital & Risk

Net worth ratio
11.73%
43th percentile
Delinquency rate
0.85%
42th percentile
Net charge-off rate
0.81%
15th percentile
Loan-to-share
84.17%
78th percentile

Growth

Member growth YoY
-3.22%
22th percentile
Asset growth YoY
5.03%
61th percentile
Loan growth YoY
3.31%
61th percentile
Share growth YoY
6.92%
77th percentile

Operations

Members / branch
4,176
72th percentile
Assets / member
$12,675
35th percentile
Field of membership penetration
1.04%
16th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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