Unite

Cedar Falls, IA · 2 · Charter #65071 · www.unite-cu.org
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$22.7M
66th percentile
Members
1,575
54th percentile
Total loans
$9.7M
65th percentile
Total shares
$19.9M
68th percentile

Profitability

Return on assets
0.72%
45th percentile
Net interest margin
3.61%
36th percentile
Efficiency ratio
75.31%
32th percentile
Non-interest income ratio
26.85%
92th percentile

Capital & Risk

Net worth ratio
12.40%
33th percentile
Delinquency rate
1.59%
30th percentile
Net charge-off rate
0.68%
25th percentile
Loan-to-share
49.06%
33th percentile

Growth

Member growth YoY
-1.19%
52th percentile
Asset growth YoY
5.21%
75th percentile
Loan growth YoY
28.24%
98th percentile
Share growth YoY
5.41%
77th percentile

Operations

Members / branch
788
37th percentile
Assets / member
$14,432
83th percentile
Field of membership penetration
11.25%
24th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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