U S P L K Employees Federal Credit Union

Credit UnionFCULeavenworth, KS·Est. 1941·NCUA #4427Compare ⇄▤ Account brief

Total assets

$35.0M

▼ -3.8% YoY

Shares & deposits

$30.3M

▼ -4.5% YoY

Loans

$8.0M

▼ -5.1% YoY

Members

2,053

▼ -1.8% YoY

ROA (annualized)

0.57%

peers 0.60%

ROE (annualized)

4.33%

peers 4.10%

Peer comparison 2,508 credit unions with <100M in assets

Metric	This credit union	Peer median	Δ
Asset growth (YoY)	-3.8%	+1.3%	-5.1 pts
Share growth (YoY)	-4.5%	+0.7%	-5.2 pts
Loan growth (YoY)	-5.1%	-2.4%	-2.7 pts
ROA	0.57%	0.60%	-0.0 pts
ROE	4.3%	4.1%	+0.2 pts

ROA ranks in the 48th percentile of its peer group · Q1 2026

Quarter	Assets	Shares	Loans	Net worth	Net income YTD	ROA	NIM	Delinquency	Members
Q1 2026	$35.0M	$30.3M	$8.0M	$4.6M	$50K	0.57%	2.37%	0.15%	2,053
Q4 2025	$34.9M	$30.2M	$8.4M	$4.6M	$92K	0.26%	1.55%	0.00%	2,053
Q3 2025	$34.9M	$30.2M	$8.4M	$4.6M	$66K	0.25%	1.45%	0.00%	2,059
Q2 2025	$35.4M	$30.7M	$8.4M	$4.5M	$11K	0.06%	1.33%	0.00%	2,080
Q1 2025	$36.4M	$31.8M	$8.4M	$4.5M	$158	0.00%	1.14%	0.00%	2,091
Q4 2024	$36.1M	$31.4M	$9.0M	$4.5M	$-8K	-0.02%	0.99%	0.22%	1,976
Q3 2024	$35.6M	$31.0M	$9.6M	$4.5M	$38K	0.14%	1.03%	0.11%	2,000
Q2 2024	$36.2M	$31.4M	$10.1M	$4.5M	$41K	0.23%	0.96%	0.56%

Loans down·Loans -5.1% YoY — Shrinking book — origination and marketing are on the agenda

Earlier quarters (4)

Profitability

Ratio	Value	Peer median	Peer percentile
Return on assets Annualized net income ÷ assets	0.57%	0.60%	48th
Return on equity Annualized net income ÷ equity or net worth	4.3%	4.1%	52th
Net interest margin Interest income − interest expense, ÷ assets	2.37%	3.83%

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Ratio	Value	Peer median
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%

Ratio	Value	Peer median
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%

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%