PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

United Members

Tulsa, OK · Charter 9248

NCUA · 1 branch

Q2 2026

$10.4MAssets
$3.0MLoans
$8.5MShares
$1.9MNet 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 0.47%, up 1 bps year over year; NIM at 3.10%.
  • Asset quality: problem loans at 0.15% of loans (-97 bps YoY).
  • Capital: net worth / assets of 18.62%, up 53 bps from a year ago.
  • Funding: loans stand at 36.01% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.47%+1 bps YoY

Net Interest Margin (YTD, annualized)

3.10%+31 bps YoY

Efficiency Ratio (YTD, annualized)

84.19%+105 bps YoY

Net Worth / Assets

18.62%+53 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.46%0.45%0.13%0.59%0.47%+1 bps
Return on Equity2.53%2.53%0.75%3.25%2.53%+1 bps
Net Interest Margin2.78%2.74%2.84%3.05%3.10%+31 bps
Efficiency Ratio83.15%84.14%90.25%83.31%84.19%+105 bps
Growth
Asset Growth (YoY)-5.75%-1.67%-8.48%-6.13%-2.38%+337 bps
Loan Growth (YoY)-0.69%-5.50%6.70%3.24%0.42%+111 bps
Share Growth (YoY)-7.07%-2.17%-10.24%-7.55%-3.01%+406 bps
Asset Quality
Delinquent Loans / Loans1.13%2.78%1.08%0.30%0.15%-97 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 Capital18.09%17.73%17.97%18.30%18.62%+53 bps
Net Worth / Assets18.09%17.73%17.97%18.30%18.62%+53 bps
Liquidity & Funding
Loans / Shares34.78%32.62%36.57%36.06%36.01%+123 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps