U. S. I.

Charter #13132 | TX

<100M (2596 CUs) Micro
245 <100M in TX

U. S. I. has 10 strengths but faces 3 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + ROA 0.03% above tier average
  • + Net Interest Margin 0.85% above tier average
  • + Strong member growth: 5.2% YoY
  • + Indirect Auto Concentration (%): Top 0.0% in tier
  • + Deposit Growth Rate: Top 0.5% in tier
  • + Asset Growth Rate: Top 1.0% in tier
  • + AMR Growth Rate: Top 4.8% in tier
  • + Member Growth Rate: Top 6.6% in tier
  • + Loan-to-Member Ratio (LMR): Top 8.6% in tier
  • + Loan-to-Share Ratio: Top 9.0% in tier

Key Concerns

Areas that may need attention

  • - Efficiency ratio 1.44% above tier (higher cost structure)
  • - Delinquency rate 0.50% above tier average
  • - Net Charge-Off Rate: Bottom 3.7% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Members 2,036
+5.2% YoY+0.1% QoQ
 -589 2,625
-2.2% YoY
 26,896
+3.7% YoY
 33,089
+6.1% YoY
 52nd in tier
Assets $26.7M
+25.6% YoY+18.2% QoQ
 $-3.2M $29.9M
+1.1% YoY
 $411.3M
+5.9% YoY
 $547.7M
+7.8% YoY
 56th in tier
Loans $20.1M
+3.2% YoY-3.2% QoQ
 +$4.3M $15.8M
-2.4% YoY
 $295.8M
+5.3% YoY
 $388.7M
+8.6% YoY
 70th in tier
Deposits $21.7M
+41.8% YoY+30.8% QoQ
 $-3.7M $25.5M
+0.4% YoY
 $341.5M
+6.1% YoY
 $464.6M
+9.3% YoY
 55th in tier
ROA 0.7%
-42.3% YoY+39.6% QoQ
 +0.0% 0.7%
-731.4% YoY
 0.5%
-24.0% YoY
 0.7%
+273.4% YoY
 47th in tier
NIM 4.8%
-10.8% YoY-3.4% QoQ
 +0.9% 3.9%
+3.8% YoY
 3.9%
+4.3% YoY
 3.7%
+5.0% YoY
 Top 18.4% in tier
Efficiency Ratio 82.8%
+6.7% YoY-4.3% QoQ
 +1.4% 81.4%
-2.4% YoY
 79.6%
-0.9% YoY
 79.1%
-3.3% YoY
 61st in tier
Delinquency Rate 2.0%
-31.8% YoY-64.2% QoQ
 +0.5 1.5%
-2.0% YoY
 1.2%
+20.3% YoY
 1.2%
-0.9% YoY
 Top 20.3% in tier
Loan To Share 92.3%
-27.2% YoY-26.0% QoQ
 +31.0% 61.2%
-3.0% YoY
 71.8%
-2.5% YoY
 68.0%
-1.7% YoY
 Top 9.2% in tier
AMR $20,523
+14.2% YoY+11.8% QoQ
 +$6K $14,627
-2.7% YoY
 $17,515
+1.3% YoY
 $19,418
+1.3% YoY
 Top 18.4% in tier
CD Concentration 13.9%
+10.6% YoY+169.9% QoQ
 -10.5% 24.4%
+4.2% YoY
 20.9%
+7.1% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 0.0% -14.0% 14.0%
-5.8% YoY
 7.2%
-0.2% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

Metric Rankings

See how this credit union ranks across all tracked metrics compared to peers.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)

Comparing against 2596 peers in tier

Top Strengths (10 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 2.84%
#1 of 2596 Top 0.0% in <100M tier
15
Deposit Growth Rate
growth
Value: 41.76%
Peer Avg: 16.80%
#15 of 2596 Top 0.5% in <100M tier
26
Asset Growth Rate
growth
Value: 25.61%
Peer Avg: 1.82%
#26 of 2596 Top 1.0% in <100M tier
126
AMR Growth Rate
growth
Value: 14.22%
Peer Avg: 4.67%
#126 of 2596 Top 4.8% in <100M tier
172
Member Growth Rate
growth
Value: 5.22%
Peer Avg: 14.92%
#172 of 2596 Top 6.6% in <100M tier
224
Loan-to-Member Ratio (LMR)
engagement
Value: $9,849
Peer Avg: $5,488
#224 of 2596 Top 8.6% in <100M tier
235
Loan-to-Share Ratio
balance_sheet
Value: 92.28%
Peer Avg: 61.23%
#235 of 2596 Top 9.0% in <100M tier
478
Net Interest Margin (NIM)
profitability
Value: 4.79%
Peer Avg: 3.93%
#478 of 2596 Top 18.4% in <100M tier
478
Average Member Relationship (AMR)
engagement
Value: $20,523
Peer Avg: $14,627
#478 of 2596 Top 18.4% in <100M tier
498
Net Worth Ratio
risk
Value: 21.04%
Peer Avg: 16.43%
#498 of 2596 Top 19.1% in <100M tier

Top Weaknesses (3 metrics)

2502
Net Charge-Off Rate
risk
Value: 2.74%
Peer Avg: 0.57%
#2502 of 2596 Bottom 3.7% in <100M tier
2278
First Mortgage Concentration (%)
balance_sheet
Value: 41.44%
Peer Avg: 14.49%
#2278 of 2596 Bottom 12.3% in <100M tier
2071
Total Delinquency Rate (60+ days)
risk
Value: 2.00%
Peer Avg: 1.51%
#2071 of 2596 Bottom 20.3% in <100M tier