United Savings
Fargo, ND · Charter 65578 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 5 branches
Q2 2026
$125.2MAssets
$89.5MLoans
$108.6MShares
$15.9MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 68% of credit unions under $1B in assets (rank 531 of 1683).
- Widest gap: nonperforming loans / loans trails 92% of credit unions under $1B in assets (rank 1543 of 1682).
- Overall: at or above the peer median on 1 of 7 directional measures.
Return on Assets
0.39%
Rank 1,229 of 1,683
Net Interest Margin
4.18%
Rank 531 of 1,683
Efficiency Ratio
86.21%
Rank 1,233 of 1,682
Equity / Assets
12.70%
Rank 873 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.39% | 0.35% | 0.74% | 1.18% | Beats 27% | 1,229 / 1,683 | | |
| Return on Equity | 3.11% | 2.67% | 5.89% | 8.74% | Beats 29% | 1,201 / 1,681 | | |
| Net Interest Margin | 4.18% | 3.31% | 3.82% | 4.32% | Beats 68% | 531 / 1,683 | | |
| Efficiency Ratio | 86.21% | 68.91% | 78.20% | 86.93% | Beats 27% | 1,233 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.88% | 0.26% | 0.65% | 1.29% | Beats 8% | 1,543 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 12.70% | 10.44% | 12.89% | 16.53% | Beats 48% | 873 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 12.70% | 10.44% | 12.89% | 16.53% | Beats 48% | 873 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 82.41% | 52.61% | 69.38% | 83.50% | 74th pctl | 440 / 1,683 | | |
| Loans / Assets | 71.51% | 44.71% | 59.18% | 70.72% | 77th pctl | 393 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |