U. S. Employees O. C.

OKLAHOMA CITY, OK · 1 · Charter #2744 · WWW.USECREDITUNION.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
$202.8M
90th percentile
Members
14,804
90th percentile
Total loans
$129.9M
90th percentile
Total shares
$168.5M
88th percentile

Profitability

Return on assets
1.46%
76th percentile
Net interest margin
3.67%
50th percentile
Efficiency ratio
56.85%
67th percentile
Non-interest income ratio
22.16%
74th percentile

Capital & Risk

Net worth ratio
16.78%
85th percentile
Delinquency rate
0.26%
83th percentile
Net charge-off rate
0.59%
26th percentile
Loan-to-share
77.07%
65th percentile

Growth

Member growth YoY
-16.29%
1th percentile
Asset growth YoY
-2.67%
8th percentile
Loan growth YoY
-2.32%
30th percentile
Share growth YoY
-7.09%
2th percentile

Operations

Members / branch
2,961
47th percentile
Assets / member
$13,701
44th percentile
Field of membership penetration
29.61%
77th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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