PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

U.P.S. Employees

Ontario, CA · Charter 21532

NCUA · 2 branches

Q2 2026

$51.8MAssets
$35.6MLoans
$47.5MShares
$3.9MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.51%, down 34 bps year over year; NIM at 3.96%.
  • Asset quality: problem loans at 0.26% of loans (+21 bps YoY).
  • Capital: net worth / assets of 7.55%, down 17 bps from a year ago.
  • Funding: loans stand at 75.05% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.51%-34 bps YoY

Net Interest Margin (YTD, annualized)

3.96%+25 bps YoY

Efficiency Ratio (YTD, annualized)

81.26%+475 bps YoY

Net Worth / Assets

7.55%-17 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.85%0.66%0.56%0.51%0.51%-34 bps
Return on Equity10.99%8.44%7.04%6.53%6.72%-426 bps
Net Interest Margin3.71%3.87%3.97%4.08%3.96%+25 bps
Efficiency Ratio76.51%80.38%82.06%82.40%81.26%+475 bps
Growth
Asset Growth (YoY)2.99%5.28%1.95%0.11%6.71%+372 bps
Loan Growth (YoY)4.07%3.05%6.37%0.12%-0.06%-413 bps
Share Growth (YoY)2.53%2.66%1.36%-0.66%5.85%+332 bps
Asset Quality
Delinquent Loans / Loans0.06%0.08%0.22%0.05%0.26%+21 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital7.72%7.87%7.90%7.85%7.55%-17 bps
Net Worth / Assets7.72%7.87%7.90%7.85%7.55%-17 bps
Liquidity & Funding
Loans / Shares79.49%80.90%82.02%79.04%75.05%-444 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps