PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

United Employees

Albert Lea, MN · Charter 60263

NCUA · 1 branch

Q2 2026

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

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.

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.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.02%1.02%1.34%1.38%1.45%1.38%1.61%1.59%+21 bps
Return on Equity7.70%7.67%10.19%10.06%10.42%10.01%11.84%11.20%+114 bps
Net Interest Margin2.46%2.50%2.69%2.83%2.87%2.82%2.92%2.98%+16 bps
Efficiency Ratio61.95%61.81%53.63%54.68%52.79%54.34%48.65%49.99%-468 bps
Growth
Asset Growth (YoY)3.53%4.08%5.87%3.70%5.11%7.91%8.15%8.09%+439 bps
Loan Growth (YoY)-0.06%-0.86%-1.95%-0.69%4.56%3.22%4.48%5.79%+648 bps
Share Growth (YoY)2.59%3.22%5.24%2.77%4.39%7.59%7.79%7.65%+488 bps
Asset Quality
Delinquent Loans / Loans0.96%0.62%0.50%0.75%0.59%0.54%0.80%0.80%+5 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital13.23%13.35%13.19%13.72%13.93%13.74%13.61%14.19%+47 bps
Net Worth / Assets13.23%13.35%13.19%13.72%13.93%13.74%13.61%14.19%+47 bps
Liquidity & Funding
Loans / Shares53.00%51.90%49.24%50.91%53.08%49.79%47.73%50.03%-88 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps