PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Ups Employees

Memphis, TN · Charter 67608

NCUA · 1 branch

Q2 2026

$44.9MAssets
$30.3MLoans
$33.5MShares
$10.8MNet Worth

Executive Summary

  • Earnings: ROA of 2.46%, up 14 bps year over year; NIM at 5.76%.
  • Asset quality: problem loans at 0.57% of loans (+5 bps YoY).
  • Capital: net worth / assets of 23.95%, up 107 bps from a year ago.
  • Funding: loans stand at 90.55% of shares as of Q2 2026.

Return on Assets (quarter, annualized)

2.46%+14 bps YoY

Net Interest Margin (quarter, annualized)

5.76%+1 bps YoY

Efficiency Ratio (quarter, annualized)

55.15%-600 bps YoY

Net Worth / Assets

23.95%+107 bps YoY

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.28%2.26%2.30%2.31%2.36%2.36%2.57%2.46%+14 bps
Return on Equity10.15%9.96%10.20%10.11%10.04%10.01%10.73%10.26%+15 bps
Net Interest Margin5.51%5.57%5.69%5.75%5.86%5.80%5.78%5.76%+1 bps
Efficiency Ratio56.46%57.57%61.54%61.15%59.32%58.51%53.20%55.15%-600 bps
Growth
Asset Growth (YoY)-1.38%-0.79%0.63%0.00%5.14%6.25%3.88%5.66%+567 bps
Loan Growth (YoY)-1.24%-4.78%-4.38%-5.80%-4.62%-3.46%-3.25%1.19%+699 bps
Share Growth (YoY)-4.23%-3.70%-2.86%-2.11%2.25%4.98%1.46%2.63%+474 bps
Asset Quality
Delinquent Loans / Loans1.07%1.04%0.81%0.52%0.74%0.42%0.46%0.57%+5 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital22.42%22.68%22.53%22.88%23.51%23.59%24.01%23.95%+107 bps
Net Worth / Assets22.42%22.68%22.53%22.88%23.51%23.59%24.01%23.95%+107 bps
Liquidity & Funding
Loans / Shares100.76%98.21%95.27%91.84%93.99%90.32%90.84%90.55%-128 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps