PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

United Nations

Long Island Cit, NY · Charter 5588

NCUA · 3 branches

Q2 2026

$10.7BAssets
$6.3BLoans
$9.6BShares
$1.0BNet 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 1.36%, up 31 bps year over year; NIM at 2.80%.
  • Asset quality: problem loans at 0.28% of loans (-6 bps YoY).
  • Capital: net worth / assets of 9.78%, up 42 bps from a year ago.
  • Funding: loans stand at 66.03% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.36%+31 bps YoY

Net Interest Margin (YTD, annualized)

2.80%+23 bps YoY

Efficiency Ratio (YTD, annualized)

57.95%-436 bps YoY

Net Worth / Assets

9.78%+42 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.05%1.02%0.90%1.19%1.36%+31 bps
Return on Equity11.22%10.77%9.54%12.37%13.93%+271 bps
Net Interest Margin2.57%2.61%2.63%2.82%2.80%+23 bps
Efficiency Ratio62.32%61.21%63.74%60.84%57.95%-436 bps
Growth
Asset Growth (YoY)6.89%5.93%5.79%6.20%6.83%-7 bps
Loan Growth (YoY)6.26%6.91%6.59%5.93%6.25%-1 bps
Share Growth (YoY)5.85%4.86%4.71%5.19%5.90%+5 bps
Asset Quality
Delinquent Loans / Loans0.34%0.48%0.25%0.21%0.28%-6 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 Capital9.36%9.49%9.47%9.58%9.78%+42 bps
Net Worth / Assets9.36%9.49%9.47%9.58%9.78%+42 bps
Liquidity & Funding
Loans / Shares65.81%67.21%67.70%66.14%66.03%+22 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps