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United Employees

Albert Lea, MN · Charter 60263

NCUA · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Credit unions under $1B in assets (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

62

Q2 2024Q2 2026peer median (50)

Asset Quality

43

Q2 2024Q2 2026peer median (50)

Profitability

63

Q2 2024Q2 2026peer median (50)

Liquidity

37

Q2 2024Q2 2026peer median

Efficiency

96

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

United Employees

Albert Lea, MN · Charter 60263

NCUA · 1 branch

Q2 2026

$66.4MAssets
$28.3MLoans
$56.5MShares
$9.4MNet 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 1.59%, up 21 bps year over year; NIM at 2.98%.
  • Asset quality: problem loans at 0.80% of loans (+5 bps YoY).
  • Capital: net worth / assets of 14.19%, up 47 bps from a year ago.
  • Funding: loans stand at 50.03% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.59%+21 bps YoY

Net Interest Margin (YTD, annualized)

2.98%+16 bps YoY

Efficiency Ratio (YTD, annualized)

49.99%-468 bps YoY

Net Worth / Assets

14.19%+47 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.38%1.45%1.38%1.61%1.59%+21 bps
Return on Equity10.06%10.42%10.01%11.84%11.20%+114 bps
Net Interest Margin2.83%2.87%2.82%2.92%2.98%+16 bps
Efficiency Ratio54.68%52.79%54.34%48.65%49.99%-468 bps
Growth
Asset Growth (YoY)3.70%5.11%7.91%8.15%8.09%+439 bps
Loan Growth (YoY)-0.69%4.56%3.22%4.48%5.79%+648 bps
Share Growth (YoY)2.77%4.39%7.59%7.79%7.65%+488 bps
Asset Quality
Delinquent Loans / Loans0.75%0.59%0.54%0.80%0.80%+5 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 Capital13.72%13.93%13.74%13.61%14.19%+47 bps
Net Worth / Assets13.72%13.93%13.74%13.61%14.19%+47 bps
Liquidity & Funding
Loans / Shares50.91%53.08%49.79%47.73%50.03%-88 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

United Employees

Albert Lea, MN · Charter 60263 · Peer group: credit unions under $1B in assets (n=1,681-1,683)

NCUA · 1 branch

Q2 2026

$66.4MAssets
$28.3MLoans
$56.5MShares
$9.4MNet Worth

Executive Summary

  • Strongest standing: efficiency ratio outperforms 96% of credit unions under $1B in assets (rank 61 of 1682).
  • Widest gap: net interest margin trails 87% of credit unions under $1B in assets (rank 1463 of 1683).
  • Overall: at or above the peer median on 5 of 7 directional measures.

Return on Assets

1.59%

Rank 207 of 1,683

Net Interest Margin

2.99%

Rank 1,463 of 1,683

Efficiency Ratio

49.95%

Rank 61 of 1,682

Equity / Assets

14.19%

Rank 646 of 1,683

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.59%0.35%0.74%1.18%Beats 88%207 / 1,683
Return on Equity11.19%2.67%5.89%8.74%Beats 89%190 / 1,681
Net Interest Margin2.99%3.31%3.82%4.32%Beats 13%1,463 / 1,683
Efficiency Ratio49.95%68.91%78.20%86.93%Beats 96%61 / 1,682
Asset Quality
Nonperforming Loans / Loans0.80%0.26%0.65%1.29%Beats 43%958 / 1,682
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio14.19%10.44%12.89%16.53%Beats 62%646 / 1,683
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets14.19%10.44%12.89%16.53%Beats 62%646 / 1,683
Liquidity & Funding
Loans / Deposits50.03%52.61%69.38%83.50%21st pctl1,323 / 1,683
Loans / Assets42.61%44.71%59.18%70.72%22nd pctl1,311 / 1,683
Brokered Deposits / Depositsn/aNot reported for this institution