The United
Morgantown, WV · Charter 21305 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 4 branches
Q2 2026
$109.2MAssets
$72.2MLoans
$78.9MShares
$30.1MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 96% of credit unions under $1B in assets (rank 69 of 1683).
- Widest gap: nonperforming loans / loans trails 93% of credit unions under $1B in assets (rank 1566 of 1682).
- Overall: at or above the peer median on 2 of 7 directional measures.
Return on Assets
0.63%
Rank 976 of 1,683
Net Interest Margin
3.29%
Rank 1,278 of 1,683
Efficiency Ratio
79.54%
Rank 911 of 1,682
Equity / Assets
27.55%
Rank 69 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.63% | 0.35% | 0.74% | 1.18% | Beats 42% | 976 / 1,683 | | |
| Return on Equity | 2.28% | 2.67% | 5.89% | 8.74% | Beats 22% | 1,311 / 1,681 | | |
| Net Interest Margin | 3.29% | 3.31% | 3.82% | 4.32% | Beats 24% | 1,278 / 1,683 | | |
| Efficiency Ratio | 79.54% | 68.91% | 78.20% | 86.93% | Beats 46% | 911 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 3.21% | 0.26% | 0.65% | 1.29% | Beats 7% | 1,566 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 27.55% | 10.44% | 12.89% | 16.53% | Beats 96% | 69 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 27.55% | 10.44% | 12.89% | 16.53% | Beats 96% | 69 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 91.43% | 52.61% | 69.38% | 83.50% | 89th pctl | 185 / 1,683 | | |
| Loans / Assets | 66.07% | 44.71% | 59.18% | 70.72% | 64th pctl | 598 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |