U-HAUL
Charter #15847 · Phoenix, AZ · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 3,785 ranks in the 98th percentile among structurally similar credit unions — a relative strength.
- Net worth ratio of 9.74% sits at the 21st percentile of structural peers — worth a closer look.
- Net interest margin of 4.87% ranks in the 92nd percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.08% ranks in the 5th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 4.68% sits at the 95th percentile of structural peers — worth a closer look.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | U-HAUL | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $6.70M | 77th pct | 36th pct |
| Members | 3,785 | 100th pct | 98th pct |
| Net worth ratio | 9.74% | 12th pct | 21th pct |
| Return on average assets | 0.67% | 59th pct | 66th pct |
| Net interest margin | 4.87% | 74th pct | 92th pct |
| Cost of funds | 0.08% | 18th pct | 5th pct |
| Loan-to-share | 37.80% | 27th pct | 34th pct |
| Delinquency 60+ days | 4.68% | 85th pct | 95th pct |
| Net charge-off ratio | 3.00% | 93th pct | 92th pct |
| Loan growth YoY | -17.07% | 10th pct | 3th pct |
| Share growth YoY | 0.50% | 53th pct | 39th pct |
| Efficiency ratio | 86.56% | 51th pct | 48th pct |
structural peer set hash: 161a799042d4788f93b24bbce8ecca23… (reproducible)
Closest structural peers
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.