University

Grand Forks, ND · 1 · Charter #1904 · www.universityfederalcu.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
$45.0M
96th percentile
Members
3,632
92th percentile
Total loans
$26.3M
95th percentile
Total shares
$38.7M
96th percentile

Profitability

Return on assets
1.34%
74th percentile
Net interest margin
3.83%
45th percentile
Efficiency ratio
62.16%
60th percentile
Non-interest income ratio
16.52%
74th percentile

Capital & Risk

Net worth ratio
13.73%
42th percentile
Delinquency rate
0.63%
53th percentile
Net charge-off rate
0.23%
49th percentile
Loan-to-share
67.98%
60th percentile

Growth

Member growth YoY
2.92%
89th percentile
Asset growth YoY
-1.76%
31th percentile
Loan growth YoY
-3.61%
47th percentile
Share growth YoY
-3.44%
27th percentile

Operations

Members / branch
1,816
74th percentile
Assets / member
$12,386
73th percentile
Field of membership penetration
21.36%
34th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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