Union Pacific Employees

Beaumont, TX · 2 · Charter #67417
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
$3.8M
20th percentile
Members
630
22th percentile
Total loans
$2.4M
26th percentile
Total shares
$2.9M
20th percentile

Profitability

Return on assets
0.16%
22th percentile
Net interest margin
4.65%
74th percentile
Efficiency ratio
71.68%
40th percentile
Non-interest income ratio
4.82%
33th percentile

Capital & Risk

Net worth ratio
24.29%
85th percentile
Delinquency rate
1.44%
32th percentile
Net charge-off rate
-0.08%
95th percentile
Loan-to-share
84.32%
82th percentile

Growth

Member growth YoY
-1.10%
53th percentile
Asset growth YoY
3.35%
64th percentile
Loan growth YoY
-8.62%
28th percentile
Share growth YoY
4.54%
72th percentile

Operations

Members / branch
630
29th percentile
Assets / member
$5,988
23th percentile
Field of membership penetration
31.50%
45th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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