U.P.S. EMPLOYEES
Charter #21532 · ONTARIO, CA · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 5,190 ranks in the 77th percentile among structurally similar credit unions — a relative strength.
- Net worth ratio of 7.85% sits at the 3rd percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.05% ranks in the 10th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.44% sits at the 75th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 99th percentile but its structural peers at the 64th — a 35-point gap showing why the peer definition matters.
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.P.S. EMPLOYEES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $48.92M | 99th pct | 64th pct |
| Members | 5,190 | 97th pct | 77th pct |
| Net worth ratio | 7.85% | 4th pct | 3th pct |
| Return on average assets | 0.52% | 42th pct | 39th pct |
| Net interest margin | 4.13% | 64th pct | 52th pct |
| Cost of funds | 0.70% | 43th pct | 26th pct |
| Loan-to-share | 79.04% | 83th pct | 64th pct |
| Delinquency 60+ days | 0.05% | 15th pct | 10th pct |
| Net charge-off ratio | 0.44% | 69th pct | 75th pct |
| Loan growth YoY | -0.57% | 66th pct | 48th pct |
| Share growth YoY | 1.77% | 42th pct | 48th pct |
| Efficiency ratio | 82.40% | 55th pct | 56th pct |
structural peer set hash: 93196e1768f7f2701199b771b8ff654f… (reproducible)
Closest structural peers
This is the free public view
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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.