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
Executive Summary
- Strongest standing: net interest margin outperforms 95% of credit unions under $1B in assets (rank 90 of 1723).
- Widest gap: efficiency ratio trails 67% of credit unions under $1B in assets (rank 1157 of 1721).
- Overall: at or above the peer median on 5 of 7 directional measures.
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
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.93% | 0.25% | 0.67% | 1.13% | Beats 65% | 598 / 1,724 | | |
| Return on Equity | 7.12% | 1.95% | 5.34% | 8.54% | Beats 65% | 606 / 1,723 | | |
| Net Interest Margin | 5.61% | 3.03% | 3.61% | 4.27% | Beats 95% | 90 / 1,723 | | |
| Efficiency Ratio | 84.08% | 69.84% | 78.36% | 87.50% | Beats 33% | 1,157 / 1,721 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.92% | 0.28% | 0.70% | 1.38% | Beats 39% | 1,047 / 1,721 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 13.03% | 10.16% | 12.41% | 16.03% | Beats 56% | 763 / 1,724 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 13.03% | 10.15% | 12.41% | 16.03% | Beats 56% | 762 / 1,723 | | |
| Liquidity & Funding |
| Loans / Deposits | 37.17% | 55.95% | 72.66% | 85.34% | 7th pctl | 1,596 / 1,722 | | |
| Loans / Assets | 32.41% | 47.91% | 62.00% | 72.82% | 8th pctl | 1,582 / 1,723 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |