Unity Financial
New Haven, CT · Charter 68745 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 5 branches
Q2 2026
$63.9MAssets
$45.0MLoans
$55.7MShares
$8.4MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 70% of credit unions under $1B in assets (rank 513 of 1682).
- Widest gap: efficiency ratio trails 91% of credit unions under $1B in assets (rank 1524 of 1682).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
0.16%
Rank 1,413 of 1,683
Net Interest Margin
4.18%
Rank 530 of 1,683
Efficiency Ratio
96.42%
Rank 1,524 of 1,682
Equity / Assets
13.15%
Rank 796 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.16% | 0.35% | 0.74% | 1.18% | Beats 16% | 1,413 / 1,683 | |
| Return on Equity | 1.21% | 2.67% | 5.89% | 8.74% | Beats 16% | 1,408 / 1,681 | |
| Net Interest Margin | 4.18% | 3.31% | 3.82% | 4.32% | Beats 69% | 530 / 1,683 | |
| Efficiency Ratio | 96.42% | 68.91% | 78.20% | 86.93% | Beats 9% | 1,524 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.34% | 0.26% | 0.65% | 1.29% | Beats 70% | 513 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 13.15% | 10.44% | 12.89% | 16.53% | Beats 53% | 796 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 13.15% | 10.44% | 12.89% | 16.53% | Beats 53% | 796 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 80.82% | 52.61% | 69.38% | 83.50% | 71st pctl | 491 / 1,683 | |
| Loans / Assets | 70.41% | 44.71% | 59.18% | 70.72% | 74th pctl | 432 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |