PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Universal

Huntington, WV · Charter 785

NCUA · 3 branches

Q2 2026

$99.5MAssets
$26.0MLoans
$85.6MShares
$13.0MNet 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 0.45%, up 13 bps year over year; NIM at 3.00%.
  • Asset quality: problem loans at 0.46% of loans (+13 bps YoY).
  • Capital: net worth / assets of 13.03%, up 13 bps from a year ago.
  • Funding: loans stand at 30.33% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.45%+13 bps YoY

Net Interest Margin (YTD, annualized)

3.00%+28 bps YoY

Efficiency Ratio (YTD, annualized)

86.55%-290 bps YoY

Net Worth / Assets

13.03%+13 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.32%0.36%0.36%0.31%0.45%+13 bps
Return on Equity2.49%2.71%2.64%2.31%3.49%+100 bps
Net Interest Margin2.73%2.80%2.90%2.88%3.00%+28 bps
Efficiency Ratio89.46%88.73%89.14%90.52%86.55%-290 bps
Growth
Asset Growth (YoY)4.00%3.45%1.67%1.62%2.21%-178 bps
Loan Growth (YoY)-5.33%-7.55%-10.57%-13.07%-13.47%-814 bps
Share Growth (YoY)4.56%3.39%1.63%1.37%-0.55%-511 bps
Asset Quality
Delinquent Loans / Loans0.33%0.21%0.17%0.04%0.46%+13 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 Capital12.90%13.27%13.47%13.19%13.03%+13 bps
Net Worth / Assets12.90%13.27%13.47%13.19%13.03%+13 bps
Liquidity & Funding
Loans / Shares34.86%35.01%34.10%31.74%30.33%-453 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps