United Southeast

Bristol, TN · 1 · Charter #4714 · www.usfcu.org
Community ($250M–$1B)Reporting period: Q4 2025Peer group: 673 CUs

Performance vs peers

Percentile rank within the Community ($250M–$1B) peer group (673 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$251.0M
0th percentile
Members
23,361
37th percentile
Total loans
$161.5M
8th percentile
Total shares
$215.9M
1th percentile

Profitability

Return on assets
1.52%
82th percentile
Net interest margin
3.54%
57th percentile
Efficiency ratio
54.62%
69th percentile
Non-interest income ratio
22.18%
70th percentile

Capital & Risk

Net worth ratio
13.52%
81th percentile
Delinquency rate
0.43%
77th percentile
Net charge-off rate
0.72%
23th percentile
Loan-to-share
74.78%
36th percentile

Growth

Member growth YoY
5.61%
91th percentile
Asset growth YoY
6.56%
63th percentile
Loan growth YoY
5.10%
55th percentile
Share growth YoY
4.85%
53th percentile

Operations

Members / branch
3,894
34th percentile
Assets / member
$10,745
5th percentile
Field of membership penetration
4.02%
49th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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