PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

United Community

Houston, TX · Charter 68369

NCUA · 4 branches

Q2 2026

$127.9MAssets
$90.2MLoans
$112.6MShares
$15.4MNet 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 41 bps year over year; NIM at 4.75%.
  • Asset quality: problem loans at 1.05% of loans (+35 bps YoY).
  • Capital: net worth / assets of 12.03%, up 91 bps from a year ago.
  • Funding: loans stand at 80.14% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.92%+41 bps YoY

Net Interest Margin (YTD, annualized)

4.75%+36 bps YoY

Efficiency Ratio (YTD, annualized)

78.72%-537 bps YoY

Net Worth / Assets

12.03%+91 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.51%0.51%0.60%0.94%0.92%+41 bps
Return on Equity4.57%4.46%5.08%7.91%7.67%+310 bps
Net Interest Margin4.39%4.58%4.74%4.72%4.75%+36 bps
Efficiency Ratio84.09%82.88%82.32%77.53%78.72%-537 bps
Growth
Asset Growth (YoY)3.60%1.09%0.44%-1.05%-1.04%-465 bps
Loan Growth (YoY)-4.63%-5.41%-1.18%-2.75%-0.55%+408 bps
Share Growth (YoY)3.46%0.57%-1.13%-1.74%-2.34%-581 bps
Asset Quality
Delinquent Loans / Loans0.70%1.21%1.40%0.98%1.05%+35 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 Capital11.12%11.51%11.88%11.89%12.03%+91 bps
Net Worth / Assets11.12%11.51%11.88%11.89%12.03%+91 bps
Liquidity & Funding
Loans / Shares78.69%80.83%83.62%78.58%80.14%+144 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps