UPS EMPLOYEES
Charter #67608 · MEMPHIS, TN · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 6,151 ranks in the 89th percentile among structurally similar credit unions — a relative strength.
- Net worth ratio of 24.01% ranks in the 82nd percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 2.59% ranks in the 95th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 5.81% ranks in the 95th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of -0.08% ranks in the 7th percentile among structurally similar credit unions — a relative strength.
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 | UPS EMPLOYEES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $43.67M | 89th pct | 77th pct |
| Members | 6,151 | 99th pct | 89th pct |
| Net worth ratio | 24.01% | 93th pct | 82th pct |
| Return on average assets | 2.59% | 98th pct | 95th pct |
| Net interest margin | 5.81% | 98th pct | 95th pct |
| Cost of funds | 0.84% | 50th pct | 38th pct |
| Loan-to-share | 90.84% | 94th pct | 84th pct |
| Delinquency 60+ days | 0.46% | 44th pct | 44th pct |
| Net charge-off ratio | -0.08% | 10th pct | 7th pct |
| Loan growth YoY | -1.24% | 59th pct | 44th pct |
| Share growth YoY | 2.18% | 47th pct | 51th pct |
| Efficiency ratio | 53.20% | 5th pct | 11th pct |
structural peer set hash: 2dd6756f4534cc36da253fda172c111f… (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.