U.P. Employees Federal Credit Union
Total assets
$2.5M
▼ -9.3% YoY
Shares & deposits
$2.3M
▼ -2.9% YoY
Loans
$1.6M
▲ +27.5% YoY
Members
467
▼ -49.2% YoY
ROA (annualized)
-9.51%
peers 0.60%
ROE (annualized)
-77.02%
peers 4.10%
Peer comparison 2,508 credit unions with <100M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -9.3% | +1.3% | -10.6 pts |
| Share growth (YoY) | -2.9% | +0.7% | -3.5 pts |
| Loan growth (YoY) | +27.5% | -2.4% | +29.8 pts |
| ROA | -9.51% | 0.60% | -10.1 pts |
| ROE | -77.0% | 4.1% | -81.1 pts |
ROA ranks in the 1st percentile of its peer group · Q1 2026
Profile
- Established
- 1952
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 2
- Address
- 1000 W 4Th St, North Little Ro, AR, 72114
- NCUA charter #
- 24435
- RSSD ID
- 576493
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $2.5M | $2.3M | $1.6M | $304K | $-59K | -9.51% | 6.81% | 2.60% | 467 |
| Q4 2025 | $2.5M | $2.3M | $1.6M | $363K | $-160K | -6.26% | 6.68% | 3.05% | 919 |
| Q3 2025 | $2.6M | $2.3M | $1.7M | $412K | $-110K | -5.70% | 6.72% | 0.76% | 919 |
| Q2 2025 | $2.6M | $2.3M | $1.5M | $449K | $-74K | -5.57% | 6.56% | 1.19% | 919 |
| Q1 2025 | $2.7M | $2.4M | $1.2M | $489K | $-33K | -4.87% | 6.99% | 3.90% | 919 |
| Q4 2024 | $2.9M | $2.3M | $1.3M | $556K | $-136K | -4.69% | 4.82% | 5.61% | 919 |
| Q3 2024 | $3.0M | $2.4M | $1.2M | $613K | $-79K | -3.48% | 4.56% | 3.32% | 919 |
| Q2 2024 | $3.0M | $2.4M | $1.1M | $647K | $-45K | -3.01% | 4.45% | 0.45% | 897 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $1.4M · securities $301K
Ratio pack Q1 2026 · peer medians from 2508 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -9.51% | 0.60% | 1th | |
Return on equity Annualized net income ÷ equity or net worth | -77.0% | 4.1% | 1th | |
Net interest margin Interest income − interest expense, ÷ assets | 6.81% | 3.83% | 98th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 186.6% | 81.5% | 98th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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