Unite
Cedar Falls, IA · Charter 65071 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$23.6MAssets
$10.2MLoans
$20.6MShares
$2.8MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 39% of credit unions under $1B in assets (rank 1025 of 1683).
- Widest gap: nonperforming loans / loans trails 94% of credit unions under $1B in assets (rank 1576 of 1682).
- Overall: at or above the peer median on 0 of 7 directional measures.
Return on Assets
-0.23%
Rank 1,542 of 1,683
Net Interest Margin
3.43%
Rank 1,179 of 1,683
Efficiency Ratio
104.06%
Rank 1,584 of 1,682
Equity / Assets
11.82%
Rank 1,025 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | -0.23% | 0.35% | 0.74% | 1.18% | Beats 8% | 1,542 / 1,683 | | |
| Return on Equity | -1.93% | 2.67% | 5.89% | 8.74% | Beats 8% | 1,550 / 1,681 | | |
| Net Interest Margin | 3.43% | 3.31% | 3.82% | 4.32% | Beats 30% | 1,179 / 1,683 | | |
| Efficiency Ratio | 104.06% | 68.91% | 78.20% | 86.93% | Beats 6% | 1,584 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 3.42% | 0.26% | 0.65% | 1.29% | Beats 6% | 1,576 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 11.82% | 10.44% | 12.89% | 16.53% | Beats 39% | 1,025 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 11.82% | 10.44% | 12.89% | 16.53% | Beats 39% | 1,025 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 49.54% | 52.61% | 69.38% | 83.50% | 21st pctl | 1,331 / 1,683 | | |
| Loans / Assets | 43.29% | 44.71% | 59.18% | 70.72% | 24th pctl | 1,286 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |