PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

United Association

Concord, CA · Charter 65155

NCUA · 2 branches

Q2 2026

$14.3MAssets
$7.4MLoans
$11.8MShares
$2.5MNet 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 0.02%, down 206 bps year over year; NIM at 4.66%.
  • Asset quality: problem loans at 0.45% of loans (-31 bps YoY).
  • Capital: net worth / assets of 17.30%, down 58 bps from a year ago.
  • Funding: loans stand at 62.35% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.02%-206 bps YoY

Net Interest Margin (YTD, annualized)

4.66%-31 bps YoY

Efficiency Ratio (YTD, annualized)

71.11%+1,233 bps YoY

Net Worth / Assets

17.30%-58 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.07%1.82%1.72%-1.15%0.02%-206 bps
Return on Equity11.59%10.03%9.53%-6.80%0.09%-1,151 bps
Net Interest Margin4.97%4.98%4.88%4.58%4.66%-31 bps
Efficiency Ratio58.78%61.26%63.43%68.59%71.11%+1,233 bps
Growth
Asset Growth (YoY)4.98%3.23%4.48%9.28%7.65%+268 bps
Loan Growth (YoY)19.11%12.29%5.75%-0.87%-1.23%-2,034 bps
Share Growth (YoY)4.22%1.78%3.52%10.47%8.51%+428 bps
Asset Quality
Delinquent Loans / Loans0.76%1.05%0.00%0.16%0.45%-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 Capital17.88%18.17%18.00%16.93%17.30%-58 bps
Net Worth / Assets17.88%18.17%18.00%16.93%17.30%-58 bps
Liquidity & Funding
Loans / Shares68.49%67.33%65.02%60.62%62.35%-615 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps