U.P.S.

Charter #96799 | OH

<100M (2596 CUs) Micro
121 <100M in OH

U.P.S. has 5 strengths but faces 4 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Net Interest Margin 0.63% above tier average
  • + Indirect Auto Concentration (%): Top 0.0% in tier
  • + First Mortgage Concentration (%): Top 0.0% in tier
  • + Share Certificate Concentration (%): Top 0.0% in tier
  • + Loan-to-Share Ratio: Top 9.4% in tier

Key Concerns

Areas that may need attention

  • - ROA 0.74% below tier average
  • - Efficiency ratio 17.33% above tier (higher cost structure)
  • - Member decline: -3.7% YoY
  • - Net Charge-Off Rate: Bottom 9.6% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Members 626
-3.7% YoY+0.3% QoQ
 -2.0K 2,625
-2.2% YoY
 16,553
+5.8% YoY
 33,089
+6.1% YoY
 Bottom 17.3% in tier
Assets $3.3M
-3.8% YoY-2.5% QoQ
 $-26.6M $29.9M
+1.1% YoY
 $245.2M
+8.8% YoY
 $547.7M
+7.8% YoY
 Bottom 14.0% in tier
Loans $2.6M
-1.6% YoY+6.9% QoQ
 $-13.1M $15.8M
-2.4% YoY
 $170.6M
+8.7% YoY
 $388.7M
+8.6% YoY
 Bottom 21.3% in tier
Deposits $2.9M
-2.3% YoY-2.0% QoQ
 $-22.6M $25.5M
+0.4% YoY
 $209.1M
+9.7% YoY
 $464.6M
+9.3% YoY
 Bottom 15.3% in tier
ROA -0.1%
-104.2% YoY-223.2% QoQ
 -0.7% 0.7%
-731.4% YoY
 0.5%
-7.3% YoY
 0.7%
+273.4% YoY
 Bottom 14.6% in tier
NIM 4.6%
-1.5% YoY+4.6% QoQ
 +0.6% 3.9%
+3.8% YoY
 3.7%
+3.3% YoY
 3.7%
+5.0% YoY
 Top 25.0% in tier
Efficiency Ratio 98.7%
+22.5% YoY-0.4% QoQ
 +17.3% 81.4%
-2.4% YoY
 83.9%
+3.6% YoY
 79.1%
-3.3% YoY
 Top 12.1% in tier
Delinquency Rate 0.6%
-89.7% YoY-88.9% QoQ
 -0.9 1.5%
-2.0% YoY
 1.5%
+29.9% YoY
 1.2%
-0.9% YoY
 49th in tier
Loan To Share 91.7%
+0.7% YoY+9.0% QoQ
 +30.5% 61.2%
-3.0% YoY
 63.8%
-2.4% YoY
 68.0%
-1.7% YoY
 Top 9.6% in tier
AMR $8,760
+1.8% YoY+1.7% QoQ
 $-6K $14,627
-2.7% YoY
 $17,099
+5.9% YoY
 $19,418
+1.3% YoY
 Bottom 22.8% in tier
CD Concentration 0.0% -24.4% 24.4%
+4.2% YoY
 19.2%
+8.0% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 0.0% -14.0% 14.0%
-5.8% YoY
 11.2%
-0.8% 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 (5 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 2.84%
#1 of 2596 Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 14.49%
#1 of 2596 Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 15.37%
#1 of 2596 Top 0.0% in <100M tier
246
Loan-to-Share Ratio
balance_sheet
Value: 91.74%
Peer Avg: 61.23%
#246 of 2596 Top 9.4% in <100M tier
649
Net Interest Margin (NIM)
profitability
Value: 4.56%
Peer Avg: 3.93%
#649 of 2596 Top 25.0% in <100M tier

Top Weaknesses (9 metrics)

2347
Net Charge-Off Rate
risk
Value: 1.40%
Peer Avg: 0.57%
#2347 of 2596 Bottom 9.6% in <100M tier
2284
Efficiency Ratio
profitability
Value: 98.72%
Peer Avg: 81.39%
#2284 of 2596 Bottom 12.1% in <100M tier
2233
Total Assets
balance_sheet
Value: $3.28M
Peer Avg: $29.86M
#2233 of 2596 Bottom 14.0% in <100M tier
2216
Return on Assets (ROA)
profitability
Value: -0.06%
Peer Avg: 0.68%
#2216 of 2596 Bottom 14.7% in <100M tier
2200
Total Deposits
balance_sheet
Value: $2.86M
Peer Avg: $25.45M
#2200 of 2596 Bottom 15.3% in <100M tier
2144
Total Members
engagement
Value: 626
Peer Avg: 2,626
#2144 of 2596 Bottom 17.4% in <100M tier
2123
Asset Growth Rate
growth
Value: -3.81%
Peer Avg: 1.82%
#2123 of 2596 Bottom 18.3% in <100M tier
2042
Total Loans
balance_sheet
Value: $2.62M
Peer Avg: $15.77M
#2042 of 2596 Bottom 21.4% in <100M tier
2003
Average Member Relationship (AMR)
engagement
Value: $8,760
Peer Avg: $14,627
#2003 of 2596 Bottom 22.9% in <100M tier