United
St Joseph, MI · Charter 6288 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 45 branches
Q2 2026
$4.4BAssets
$3.3BLoans
$3.7BShares
$529.3MNet Worth
Executive Summary
- Strongest standing: return on assets outperforms 92% of credit unions $1B-$10B in assets (rank 36 of 435).
- Widest gap: net interest margin trails 57% of credit unions $1B-$10B in assets (rank 249 of 435).
- Overall: at or above the peer median on 5 of 7 directional measures.
Return on Assets
1.50%
Rank 36 of 435
Net Interest Margin
3.29%
Rank 249 of 435
Efficiency Ratio
60.59%
Rank 65 of 435
Equity / Assets
11.94%
Rank 142 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.50% | 0.55% | 0.81% | 1.14% | Beats 92% | 36 / 435 | |
| Return on Equity | 12.59% | 5.12% | 7.41% | 9.70% | Beats 92% | 33 / 435 | |
| Net Interest Margin | 3.29% | 3.01% | 3.39% | 3.75% | Beats 43% | 249 / 435 | |
| Efficiency Ratio | 60.59% | 65.25% | 71.39% | 77.86% | Beats 85% | 65 / 435 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.71% | 0.45% | 0.69% | 1.05% | Beats 47% | 232 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 11.94% | 9.81% | 10.84% | 12.63% | Beats 67% | 142 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 11.94% | 9.81% | 10.84% | 12.63% | Beats 67% | 142 / 435 | |
| Liquidity & Funding |
| Loans / Deposits | 88.38% | 78.33% | 88.38% | 95.61% | 50th pctl | 218 / 435 | |
| Loans / Assets | 73.42% | 67.69% | 74.58% | 80.80% | 45th pctl | 240 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |