PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

United Financial

Saginaw, MI · Charter 61657

NCUA · 10 branches

Q2 2026

$360.1MAssets
$218.1MLoans
$325.7MShares
$38.6MNet 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 0.92%, up 23 bps year over year; NIM at 3.36%.
  • Asset quality: problem loans at 1.03% of loans (+31 bps YoY).
  • Capital: net worth / assets of 10.73%, down 6 bps from a year ago.
  • Funding: loans stand at 66.97% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.92%+23 bps YoY

Net Interest Margin (quarter, annualized)

3.36%+38 bps YoY

Efficiency Ratio (quarter, annualized)

73.53%-292 bps YoY

Net Worth / Assets

10.73%-6 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.69%0.66%0.72%0.72%0.92%+23 bps
Return on Equity6.37%6.18%6.66%6.72%8.57%+220 bps
Net Interest Margin2.99%3.01%3.06%3.36%3.36%+38 bps
Efficiency Ratio76.45%76.95%76.00%77.33%73.53%-292 bps
Growth
Asset Growth (YoY)4.77%7.19%8.21%6.97%8.26%+349 bps
Loan Growth (YoY)5.30%8.52%9.13%7.44%6.05%+75 bps
Share Growth (YoY)3.30%6.71%7.23%6.45%8.03%+473 bps
Asset Quality
Delinquent Loans / Loans0.72%0.65%0.70%0.40%1.03%+31 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 Capital10.79%10.74%10.78%10.74%10.73%-6 bps
Net Worth / Assets10.79%10.74%10.78%10.74%10.73%-6 bps
Liquidity & Funding
Loans / Shares68.22%68.29%69.01%67.59%66.97%-126 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps