U.P.S.
Charter #96799 · Cincinnati, OH · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 597 sits at the 20th percentile of structural peers — worth a closer look.
- Net interest margin of 4.77% ranks in the 82nd percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.00% ranks in the 20th percentile among structurally similar credit unions — a relative strength.
- On Members, the asset-size band puts this credit union at the 51st percentile but its structural peers at the 20th — a 31-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 | U.P.S. | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $3.32M | 44th pct | 20th pct |
| Members | 597 | 51th pct | 20th pct |
| Net worth ratio | 12.52% | 25th pct | 33th pct |
| Return on average assets | 0.01% | 33th pct | 26th pct |
| Net interest margin | 4.77% | 73th pct | 82th pct |
| Cost of funds | 0.21% | 30th pct | 26th pct |
| Loan-to-share | 81.01% | 79th pct | 79th pct |
| Delinquency 60+ days | 1.35% | 59th pct | 74th pct |
| Net charge-off ratio | 0.00% | 22th pct | 20th pct |
| Loan growth YoY | -10.56% | 26th pct | 13th pct |
| Share growth YoY | 1.30% | 59th pct | 59th pct |
| Efficiency ratio | 99.83% | 72th pct | 74th pct |
structural peer set hash: 2f8bd3c89d3df10809b562de2eefe429… (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.