UNION PACIFIC EMPLOYEES
Charter #67417 · Beaumont, TX · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of -0.95% sits at the 15th percentile of structural peers — worth a closer look.
- Cost of funds of 2.15% sits at the 80th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.00% ranks in the 18th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 110.31% sits at the 89th percentile of structural peers — worth a closer look.
- On Loan-to-share, the asset-size band puts this credit union at the 80th percentile but its structural peers at the 54th — a 26-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 | UNION PACIFIC EMPLOYEES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $3.87M | 49th pct | 34th pct |
| Members | 624 | 53th pct | 36th pct |
| Net worth ratio | 23.46% | 71th pct | 61th pct |
| Return on average assets | -0.95% | 17th pct | 15th pct |
| Net interest margin | 4.56% | 66th pct | 49th pct |
| Cost of funds | 2.15% | 90th pct | 80th pct |
| Loan-to-share | 82.86% | 80th pct | 54th pct |
| Delinquency 60+ days | 1.33% | 59th pct | 59th pct |
| Net charge-off ratio | 0.00% | 22th pct | 18th pct |
| Loan growth YoY | -1.79% | 66th pct | 62th pct |
| Share growth YoY | 6.07% | 84th pct | 84th pct |
| Efficiency ratio | 110.31% | 81th pct | 89th pct |
structural peer set hash: 42a5b6d6004023449075dc5bbe805ad4… (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.