UME
Charter #3945 · Burbank, CA · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 9.29% sits at the 25th percentile of structural peers — worth a closer look.
- Return on average assets of 1.01% ranks in the 84th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.18% ranks in the 11th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 66.52% ranks in the 5th percentile among structurally similar credit unions — a relative strength.
- On Net interest margin, the asset-size band puts this credit union at the 19th percentile but its structural peers at the 38th — a 18-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 | UME | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $334.14M | 78th pct | 64th pct |
| Members | 17,428 | 67th pct | 62th pct |
| Net worth ratio | 9.29% | 17th pct | 25th pct |
| Return on average assets | 1.01% | 70th pct | 84th pct |
| Net interest margin | 3.12% | 19th pct | 38th pct |
| Cost of funds | 1.20% | 49th pct | 66th pct |
| Loan-to-share | 55.02% | 18th pct | 30th pct |
| Delinquency 60+ days | 0.18% | 11th pct | 11th pct |
| Net charge-off ratio | 0.52% | 66th pct | 74th pct |
| Loan growth YoY | 0.91% | 56th pct | 64th pct |
| Share growth YoY | -2.42% | 2th pct | 2th pct |
| Efficiency ratio | 66.52% | 18th pct | 5th pct |
structural peer set hash: 9c04a7d164419b464b59a264aa02e982… (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.