United Labor
Raytown, MO · Charter 67009 · Peer group: credit unions under $1B in assets in the Kansas City, MO-KS area (n=27-28)
NCUA · 1 branch
Q2 2026
$23.0MAssets
$11.5MLoans
$21.2MShares
$1.7MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 85% of credit unions under $1B in assets in the Kansas City, MO-KS area (rank 4 of 27).
- Widest gap: equity / assets trails 96% of credit unions under $1B in assets in the Kansas City, MO-KS area (rank 27 of 28).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
0.66%
Rank 12 of 28
Net Interest Margin
5.19%
Rank 5 of 28
Efficiency Ratio
74.17%
Rank 12 of 28
Equity / Assets
7.35%
Rank 27 of 28
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.66% | 0.31% | 0.62% | 1.15% | Beats 57% | 12 / 28 | | |
| Return on Equity | 8.99% | 3.10% | 5.79% | 7.32% | Beats 85% | 4 / 27 | | |
| Net Interest Margin | 5.19% | 3.95% | 4.17% | 4.96% | Beats 82% | 5 / 28 | | |
| Efficiency Ratio | 74.17% | 71.31% | 75.97% | 85.82% | Beats 61% | 12 / 28 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.13% | 0.40% | 0.84% | 1.90% | Beats 36% | 19 / 28 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 7.35% | 9.27% | 11.97% | 17.47% | Beats 4% | 27 / 28 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 7.35% | 9.27% | 11.97% | 17.47% | Beats 4% | 27 / 28 | | |
| Liquidity & Funding |
| Loans / Deposits | 54.02% | 47.88% | 66.90% | 83.14% | 36th pctl | 18 / 28 | | |
| Loans / Assets | 49.88% | 42.23% | 58.20% | 69.16% | 36th pctl | 18 / 28 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |