PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

United Local

Fresno, CA · Charter 60408

NCUA · 2 branches

Q2 2026

$119.3MAssets
$76.4MLoans
$94.6MShares
$24.0MNet 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 -0.05%, down 59 bps year over year; NIM at 3.81%.
  • Asset quality: problem loans at 0.20% of loans (+4 bps YoY).
  • Capital: net worth / assets of 20.14%, up 53 bps from a year ago.
  • Funding: loans stand at 80.72% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

-0.05%-59 bps YoY

Net Interest Margin (YTD, annualized)

3.81%-2 bps YoY

Efficiency Ratio (YTD, annualized)

93.86%+988 bps YoY

Net Worth / Assets

20.14%+53 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.53%0.58%0.57%-0.31%-0.05%-59 bps
Return on Equity2.71%2.93%2.84%-1.59%-0.26%-298 bps
Net Interest Margin3.84%3.88%3.91%3.75%3.81%-2 bps
Efficiency Ratio83.98%81.46%82.42%93.99%93.86%+988 bps
Growth
Asset Growth (YoY)-2.79%-1.73%-1.11%-1.66%-1.47%+132 bps
Loan Growth (YoY)-4.96%-1.56%-8.39%-9.79%-1.58%+338 bps
Share Growth (YoY)-4.94%-2.88%-2.29%-2.45%-1.79%+315 bps
Asset Quality
Delinquent Loans / Loans0.16%0.23%0.32%0.41%0.20%+4 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 Capital19.61%19.85%20.02%19.78%20.14%+53 bps
Net Worth / Assets19.61%19.85%20.02%19.78%20.14%+53 bps
Liquidity & Funding
Loans / Shares80.55%80.51%75.70%71.84%80.72%+17 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps