PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Unitedone

Manitowoc, WI · Charter 67248

NCUA · 7 branches

Q2 2026

$348.3MAssets
$289.1MLoans
$282.7MShares
$41.2MNet 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 0.92%, up 33 bps year over year; NIM at 4.13%.
  • Asset quality: problem loans at 0.24% of loans (+3 bps YoY).
  • Capital: net worth / assets of 11.82%, down 30 bps from a year ago.
  • Funding: loans stand at 102.27% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.92%+33 bps YoY

Net Interest Margin (quarter, annualized)

4.13%+20 bps YoY

Efficiency Ratio (quarter, annualized)

82.99%-60 bps YoY

Net Worth / Assets

11.82%-30 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.60%0.70%0.66%0.57%0.92%+33 bps
Return on Equity4.92%5.74%5.47%4.78%7.81%+289 bps
Net Interest Margin3.93%3.96%3.96%4.16%4.13%+20 bps
Efficiency Ratio83.59%83.45%85.03%89.13%82.99%-60 bps
Growth
Asset Growth (YoY)2.38%3.46%7.07%6.66%9.47%+709 bps
Loan Growth (YoY)5.73%6.51%7.98%9.16%10.67%+494 bps
Share Growth (YoY)1.11%-0.59%2.28%2.80%2.69%+158 bps
Asset Quality
Delinquent Loans / Loans0.21%0.10%0.32%0.09%0.24%+3 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 Capital12.13%12.25%12.03%11.88%11.82%-30 bps
Net Worth / Assets12.13%12.25%12.03%11.88%11.82%-30 bps
Liquidity & Funding
Loans / Shares94.89%98.75%100.28%98.51%102.27%+738 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps