United Association
Concord, CA · Charter 65155 · Peer group: credit unions under $1B in assets in the Milwaukee-Waukesha, WI area (n=15)
NCUA · 2 branches
Q2 2026
$14.3MAssets
$7.4MLoans
$11.8MShares
$2.5MNet Worth
Executive Summary
- Strongest standing: efficiency ratio outperforms 73% of credit unions under $1B in assets in the Milwaukee-Waukesha, WI area (rank 5 of 15).
- Widest gap: return on equity trails 100% of credit unions under $1B in assets in the Milwaukee-Waukesha, WI area (rank 15 of 15).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
0.01%
Rank 15 of 15
Net Interest Margin
4.65%
Rank 7 of 15
Efficiency Ratio
71.34%
Rank 5 of 15
Equity / Assets
17.30%
Rank 8 of 15
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.01% | 0.50% | 0.76% | 1.34% | Beats 0% | 15 / 15 | |
| Return on Equity | 0.08% | 2.37% | 4.90% | 7.95% | Beats 0% | 15 / 15 | |
| Net Interest Margin | 4.65% | 3.53% | 4.50% | 4.86% | Beats 53% | 7 / 15 | |
| Efficiency Ratio | 71.34% | 69.88% | 80.52% | 87.17% | Beats 73% | 5 / 15 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.45% | 0.06% | 0.45% | 1.49% | Beats 53% | 8 / 15 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 17.30% | 10.98% | 17.30% | 27.61% | Beats 47% | 8 / 15 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 17.30% | 10.98% | 17.30% | 27.61% | Beats 47% | 8 / 15 | |
| Liquidity & Funding |
| Loans / Deposits | 62.35% | 50.66% | 78.47% | 90.72% | 40th pctl | 9 / 15 | |
| Loans / Assets | 51.58% | 44.38% | 58.78% | 71.82% | 33rd pctl | 10 / 15 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |