Loan Analysis
TX
2025 Q4
University Federal Credit Union Reports 1.1% YoY Loan Decline in 2025 Q4
University Federal Credit Union (1367) reports -1.1% YoY loan growth in 2025 Q4, with 89.7% loan-to-share ratio and 1.19% delinquency rate.
By Cassandra Troy · Finleet CU Intelligence
2026-03-14
University Federal Credit Union (1367) reported $3.03B in total loans and leases at the end of 2025 Q4, a decrease of $32.13M (-1.1%) year-over-year. The credit union's delinquency rate stands at 1.19%.
With a 89.7% loan-to-share ratio, University Federal Credit Union is deploying member deposits aggressively into loans.
Loan Portfolio Composition
| Loan Type | Balance | % of Portfolio | YoY |
|---|---|---|---|
| Used Vehicle | $1.01B | 33.4% | +3.6% |
| New Vehicle | $234.42M | 7.7% | -21.7% |
Quarterly Trends
| Period | Total Loans | QoQ | Total Assets |
|---|---|---|---|
| 2024 Q1 | $3.12B | $4.16B | |
| 2024 Q2 | $3.09B | -1.2% | $4.12B |
| 2024 Q3 | $3.07B | -0.4% | $4.10B |
| 2024 Q4 | $3.06B | -0.5% | $3.97B |
| 2025 Q1 | $3.03B | -1.0% | $4.14B |
| 2025 Q2 | $3.04B | +0.3% | $4.17B |
| 2025 Q3 | $3.06B | +0.7% | $4.19B |
| 2025 Q4 | $3.03B | -1.0% | $4.20B |
Peer Comparison
Among 190 credit unions in its asset peer group, University Federal Credit Union ranks in the 13th percentile for loan growth.
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