PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

The United

Morgantown, WV · Charter 21305

NCUA · 4 branches

Q2 2026

$109.2MAssets
$72.2MLoans
$78.9MShares
$30.1MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.63%, down 22 bps year over year; NIM at 3.29%.
  • Asset quality: problem loans at 3.21% of loans (-45 bps YoY).
  • Capital: net worth / assets of 27.55%, down 33 bps from a year ago.
  • Funding: loans stand at 91.43% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.63%-22 bps YoY

Net Interest Margin (YTD, annualized)

3.29%+17 bps YoY

Efficiency Ratio (YTD, annualized)

79.52%+370 bps YoY

Net Worth / Assets

27.55%-33 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.84%0.77%0.73%0.49%0.63%-22 bps
Return on Equity3.03%2.76%2.62%1.75%2.28%-75 bps
Net Interest Margin3.12%3.17%3.12%3.24%3.29%+17 bps
Efficiency Ratio75.82%72.69%74.69%82.58%79.52%+370 bps
Growth
Asset Growth (YoY)-0.19%0.87%0.92%1.96%3.52%+371 bps
Loan Growth (YoY)3.22%1.98%0.03%0.38%0.23%-299 bps
Share Growth (YoY)-1.45%0.14%0.30%1.78%3.98%+543 bps
Asset Quality
Delinquent Loans / Loans3.66%2.46%3.45%2.57%3.21%-45 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital27.88%28.09%27.98%27.76%27.55%-33 bps
Net Worth / Assets27.88%28.09%27.98%27.76%27.55%-33 bps
Liquidity & Funding
Loans / Shares94.86%93.83%90.76%90.97%91.43%-342 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps