U.P. EMPLOYEES
Charter #24435 · NORTH LITTLE RO, AR · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 467 sits at the 20th percentile of structural peers — worth a closer look.
- Return on average assets of -9.34% sits at the 3rd percentile of structural peers — worth a closer look.
- Net interest margin of 6.69% ranks in the 98th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 1.45% sits at the 82nd percentile of structural peers — worth a closer look.
- Efficiency ratio of 186.58% 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.P. EMPLOYEES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $2.46M | 35th pct | 20th pct |
| Members | 467 | 40th pct | 20th pct |
| Net worth ratio | 12.34% | 24th pct | 51th pct |
| Return on average assets | -9.34% | 2th pct | 3th pct |
| Net interest margin | 6.69% | 95th pct | 98th pct |
| Cost of funds | 0.62% | 55th pct | 49th pct |
| Loan-to-share | 69.06% | 63th pct | 44th pct |
| Delinquency 60+ days | 2.60% | 74th pct | 72th pct |
| Net charge-off ratio | 1.45% | 89th pct | 82th pct |
| Loan growth YoY | -8.47% | 33th pct | 25th pct |
| Share growth YoY | -0.31% | 47th pct | 62th pct |
| Efficiency ratio | 186.58% | 96th pct | 95th pct |
structural peer set hash: 1178665ca5582ed250bdedb1a5a36b34… (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.