U.P.S. Employees
Ontario, CA · Charter 21532 · Peer group: credit unions under $1B in assets in CA (n=62-63)
NCUA · 2 branches
Q2 2026
$51.8MAssets
$35.6MLoans
$47.5MShares
$3.9MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 73% of credit unions under $1B in assets in CA (rank 17 of 63).
- Widest gap: equity / assets trails 94% of credit unions under $1B in assets in CA (rank 59 of 63).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
0.51%
Rank 35 of 63
Net Interest Margin
3.97%
Rank 17 of 63
Efficiency Ratio
81.25%
Rank 32 of 63
Equity / Assets
7.55%
Rank 59 of 63
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.51% | 0.17% | 0.56% | 1.17% | Beats 44% | 35 / 63 | |
| Return on Equity | 6.70% | 1.81% | 4.79% | 8.64% | Beats 62% | 24 / 63 | |
| Net Interest Margin | 3.97% | 3.18% | 3.49% | 3.98% | Beats 73% | 17 / 63 | |
| Efficiency Ratio | 81.25% | 70.58% | 81.25% | 89.21% | Beats 51% | 32 / 63 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.26% | 0.17% | 0.42% | 0.85% | Beats 60% | 26 / 62 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 7.55% | 8.61% | 10.56% | 14.01% | Beats 6% | 59 / 63 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 7.55% | 8.61% | 10.56% | 14.01% | Beats 6% | 59 / 63 | |
| Liquidity & Funding |
| Loans / Deposits | 75.05% | 53.46% | 72.75% | 85.33% | 58th pctl | 26 / 62 | |
| Loans / Assets | 68.78% | 46.35% | 58.08% | 72.17% | 62nd pctl | 24 / 63 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |