United Local
Fresno, CA · Charter 60408 · Peer group: credit unions under $1B in assets in CA (n=62-63)
NCUA · 2 branches
Q2 2026
$119.3MAssets
$76.4MLoans
$94.6MShares
$24.0MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 94% of credit unions under $1B in assets in CA (rank 4 of 63).
- Widest gap: efficiency ratio trails 90% of credit unions under $1B in assets in CA (rank 58 of 63).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
-0.05%
Rank 56 of 63
Net Interest Margin
3.81%
Rank 23 of 63
Efficiency Ratio
93.87%
Rank 58 of 63
Equity / Assets
20.14%
Rank 4 of 63
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | -0.05% | 0.17% | 0.56% | 1.17% | Beats 11% | 56 / 63 | |
| Return on Equity | -0.27% | 1.81% | 4.79% | 8.64% | Beats 13% | 55 / 63 | |
| Net Interest Margin | 3.81% | 3.18% | 3.49% | 3.98% | Beats 63% | 23 / 63 | |
| Efficiency Ratio | 93.87% | 70.58% | 81.25% | 89.21% | Beats 10% | 58 / 63 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.20% | 0.17% | 0.42% | 0.85% | Beats 73% | 18 / 62 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 20.14% | 8.61% | 10.56% | 14.01% | Beats 94% | 4 / 63 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 20.14% | 8.61% | 10.56% | 14.01% | Beats 94% | 4 / 63 | |
| Liquidity & Funding |
| Loans / Deposits | 80.72% | 53.46% | 72.75% | 85.33% | 66th pctl | 21 / 62 | |
| Loans / Assets | 64.05% | 46.35% | 58.08% | 72.17% | 56th pctl | 28 / 63 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |