United Association

CONCORD, CA · 2 · Charter #65155 · WWW.UNITEDASSOCIATIONCU.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
$13.7M
51th percentile
Members
2,129
69th percentile
Total loans
$7.3M
55th percentile
Total shares
$11.2M
51th percentile

Profitability

Return on assets
1.91%
89th percentile
Net interest margin
4.88%
80th percentile
Efficiency ratio
60.62%
63th percentile
Non-interest income ratio
6.38%
38th percentile

Capital & Risk

Net worth ratio
18.00%
66th percentile
Delinquency rate
0.00%
100th percentile
Net charge-off rate
0.78%
22th percentile
Loan-to-share
65.02%
56th percentile

Growth

Member growth YoY
1.00%
77th percentile
Asset growth YoY
4.48%
71th percentile
Loan growth YoY
5.75%
81th percentile
Share growth YoY
3.52%
67th percentile

Operations

Members / branch
2,129
80th percentile
Assets / member
$6,436
26th percentile
Field of membership penetration
42.58%
58th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

Want the full picture for United Association?

This is a free public preview. Tudovu's Industry Data Explorer adds custom peer groups, 10+ years of history, side-by-side comparisons, and one-click downloadable peer reports — used by credit unions to plan their next quarter.

See Tudovu →Free demo