United Community
Quincy, IL · Charter 60095 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 3 branches
Q2 2026
$134.1MAssets
$101.2MLoans
$113.2MShares
$20.7MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 70% of credit unions under $1B in assets (rank 509 of 1683).
- Widest gap: efficiency ratio trails 42% of credit unions under $1B in assets (rank 708 of 1682).
- Overall: at or above the peer median on 7 of 7 directional measures.
Return on Assets
1.05%
Rank 545 of 1,683
Net Interest Margin
4.00%
Rank 667 of 1,683
Efficiency Ratio
75.73%
Rank 708 of 1,682
Equity / Assets
15.41%
Rank 509 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.05% | 0.35% | 0.74% | 1.18% | Beats 68% | 545 / 1,683 | | |
| Return on Equity | 6.83% | 2.67% | 5.89% | 8.74% | Beats 59% | 686 / 1,681 | | |
| Net Interest Margin | 4.00% | 3.31% | 3.82% | 4.32% | Beats 60% | 667 / 1,683 | | |
| Efficiency Ratio | 75.73% | 68.91% | 78.20% | 86.93% | Beats 58% | 708 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.40% | 0.26% | 0.65% | 1.29% | Beats 66% | 569 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 15.41% | 10.44% | 12.89% | 16.53% | Beats 70% | 509 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 15.41% | 10.44% | 12.89% | 16.53% | Beats 70% | 509 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 89.44% | 52.61% | 69.38% | 83.50% | 85th pctl | 251 / 1,683 | | |
| Loans / Assets | 75.45% | 44.71% | 59.18% | 70.72% | 84th pctl | 270 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |