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
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.59% | 0.35% | 0.74% | 1.18% | Beats 88% | 207 / 1,683 | |
| Return on Equity | 11.19% | 2.67% | 5.89% | 8.74% | Beats 89% | 190 / 1,681 | |
| Net Interest Margin | 2.99% | 3.31% | 3.82% | 4.32% | Beats 13% | 1,463 / 1,683 | |
| Efficiency Ratio | 49.95% | 68.91% | 78.20% | 86.93% | Beats 96% | 61 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.80% | 0.26% | 0.65% | 1.29% | Beats 43% | 958 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 14.19% | 10.44% | 12.89% | 16.53% | Beats 62% | 646 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 14.19% | 10.44% | 12.89% | 16.53% | Beats 62% | 646 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 50.03% | 52.61% | 69.38% | 83.50% | 21st pctl | 1,323 / 1,683 | |
| Loans / Assets | 42.61% | 44.71% | 59.18% | 70.72% | 22nd pctl | 1,311 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |