Union Trades

Parkersburg, WV · 1 · Charter #21100 · www.uniontradesfcu.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
$35.2M
84th percentile
Members
2,823
81th percentile
Total loans
$9.9M
66th percentile
Total shares
$29.0M
83th percentile

Profitability

Return on assets
1.59%
82th percentile
Net interest margin
3.93%
48th percentile
Efficiency ratio
60.43%
64th percentile
Non-interest income ratio
20.78%
84th percentile

Capital & Risk

Net worth ratio
17.49%
64th percentile
Delinquency rate
1.70%
28th percentile
Net charge-off rate
0.39%
39th percentile
Loan-to-share
34.19%
16th percentile

Growth

Member growth YoY
-4.60%
19th percentile
Asset growth YoY
5.39%
76th percentile
Loan growth YoY
-10.40%
23th percentile
Share growth YoY
4.46%
72th percentile

Operations

Members / branch
941
44th percentile
Assets / member
$12,471
74th percentile
Field of membership penetration
4.34%
16th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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