URBAN UPBOUND
Charter #24823 · LONG ISLAND CIT, NY · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 1,418 ranks in the 80th percentile among structurally similar credit unions — a relative strength.
- Net worth ratio of 9.34% sits at the 16th percentile of structural peers — worth a closer look.
- Return on average assets of -0.41% sits at the 23rd percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.00% ranks in the 20th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 110.83% sits at the 79th 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 | URBAN UPBOUND | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $2.35M | 34th pct | 49th pct |
| Members | 1,418 | 92th pct | 80th pct |
| Net worth ratio | 9.34% | 11th pct | 16th pct |
| Return on average assets | -0.41% | 24th pct | 23th pct |
| Net interest margin | 2.52% | 13th pct | 28th pct |
| Cost of funds | 0.25% | 36th pct | 54th pct |
| Loan-to-share | 5.74% | 3th pct | 13th pct |
| Delinquency 60+ days | 3.17% | 79th pct | 74th pct |
| Net charge-off ratio | 0.00% | 22th pct | 20th pct |
| Loan growth YoY | -8.87% | 32th pct | 48th pct |
| Share growth YoY | -17.62% | 2th pct | 2th pct |
| Efficiency ratio | 110.83% | 82th pct | 79th pct |
structural peer set hash: c1b3783ec49dd0ea56b6ec25e299b325… (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.