United Financial

Saginaw, MI · 2 · Charter #61657 · www.unitedfinancialcu.org/
Community ($250M–$1B)Reporting period: Q4 2025Peer group: 673 CUs

Performance vs peers

Percentile rank within the Community ($250M–$1B) peer group (673 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$342.9M
28th percentile
Members
21,554
31th percentile
Total loans
$213.6M
26th percentile
Total shares
$309.5M
32th percentile

Profitability

Return on assets
1.01%
53th percentile
Net interest margin
3.06%
27th percentile
Efficiency ratio
56.64%
61th percentile
Non-interest income ratio
20.50%
58th percentile

Capital & Risk

Net worth ratio
10.78%
49th percentile
Delinquency rate
0.70%
51th percentile
Net charge-off rate
0.39%
53th percentile
Loan-to-share
69.01%
25th percentile

Growth

Member growth YoY
0.98%
56th percentile
Asset growth YoY
8.21%
75th percentile
Loan growth YoY
9.13%
77th percentile
Share growth YoY
7.23%
73th percentile

Operations

Members / branch
2,155
5th percentile
Assets / member
$15,908
48th percentile
Field of membership penetration
0.22%
1th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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