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United Investors

Linden, NJ · Charter 13519

NCUA · 1 branch

Q4 2024

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets3

Basis

Quarter: Q4 2024, the quarter ended December 31, 2024, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Credit unions under $1B in assets (n=1,721 to 1,724). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

56

Q2 2024Q4 2024peer median (50)

Asset Quality

39

Q2 2024Q4 2024peer median (50)

Profitability

75

Q2 2024Q4 2024peer median (50)

Liquidity

0

Q2 2024Q4 2024peer median

Efficiency

33

Q2 2024Q4 2024peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

United Investors

Linden, NJ · Charter 13519

NCUA · 1 branch

Q4 2024

$2.7MAssets
$873KLoans
$2.3MShares
$351KNet Worth

Return on Assets (YTD, annualized)

0.93%+15 bps YoY

Net Interest Margin (YTD, annualized)

5.61%+40 bps YoY

Efficiency Ratio (YTD, annualized)

84.03%-233 bps YoY

Net Worth / Assets

13.03%+235 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2023Q2 2023Q3 2023Q4 2023Q1 2024Q2 2024Q3 2024Q4 2024YoY ΔTrend
Return on Assets1.85%1.08%0.93%0.78%0.83%0.98%1.11%0.93%+15 bps
Net Interest Margin4.18%6.51%4.82%5.20%5.28%5.37%5.53%5.61%+40 bps
Asset Growth (YoY)-2.73%-10.45%-13.02%-23.50%-19.64%-12.85%-13.45%-11.76%+1,174 bps
Share Growth (YoY)-3.18%-11.94%-15.03%-26.06%-21.96%-14.93%-15.93%-13.90%+1,215 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Risk-Based Capital8.31%9.41%9.99%10.68%10.98%11.53%12.42%13.03%+235 bps
Loans / Shares31.04%35.99%35.96%36.67%36.20%34.27%36.65%37.17%+51 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

United Investors

Linden, NJ · Charter 13519 · Peer group: credit unions under $1B in assets (n=1,721-1,724)

NCUA · 1 branch

Q4 2024

$2.7MAssets
$873KLoans
$2.3MShares
$351KNet Worth

Return on Assets

0.93%

Rank 598 of 1,724

Net Interest Margin

5.61%

Rank 90 of 1,723

Efficiency Ratio

84.08%

Rank 1,157 of 1,721

Equity / Assets

13.03%

Rank 762 of 1,723

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Return on Assets0.93%0.25%0.67%1.13%Beats 65%598 / 1,724
Net Interest Margin5.61%3.03%3.61%4.27%Beats 95%90 / 1,723
Nonperforming Loans / Loans0.92%0.28%0.70%1.38%Beats 39%1,047 / 1,721
Tier 1 Capital Ratio13.03%10.16%12.41%16.03%Beats 56%763 / 1,724
Equity / Assets13.03%10.15%12.41%16.03%Beats 56%762 / 1,723
Loans / Assets32.41%47.91%62.00%72.82%8th pctl1,582 / 1,723