Union Fidelity

Houston, TX · 1 · Charter #15049 · www.unionfidelityfcu.com
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
$27.4M
73th percentile
Members
5,789
99th percentile
Total loans
$16.9M
83th percentile
Total shares
$21.6M
71th percentile

Profitability

Return on assets
1.31%
72th percentile
Net interest margin
5.43%
90th percentile
Efficiency ratio
74.00%
35th percentile
Non-interest income ratio
14.73%
68th percentile

Capital & Risk

Net worth ratio
19.95%
74th percentile
Delinquency rate
1.66%
29th percentile
Net charge-off rate
0.36%
40th percentile
Loan-to-share
78.24%
74th percentile

Growth

Member growth YoY
11.43%
97th percentile
Asset growth YoY
10.61%
92th percentile
Loan growth YoY
21.03%
96th percentile
Share growth YoY
11.70%
93th percentile

Operations

Members / branch
5,789
99th percentile
Assets / member
$4,732
15th percentile
Field of membership penetration
82.70%
93th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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