United Community

Houston, TX · 2 · Charter #68369 · www.unitedccu.com
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$124.6M
60th percentile
Members
13,531
85th percentile
Total loans
$92.3M
72th percentile
Total shares
$108.9M
62th percentile

Profitability

Return on assets
1.37%
71th percentile
Net interest margin
4.74%
93th percentile
Efficiency ratio
74.50%
15th percentile
Non-interest income ratio
35.03%
97th percentile

Capital & Risk

Net worth ratio
11.88%
45th percentile
Delinquency rate
1.40%
19th percentile
Net charge-off rate
1.08%
10th percentile
Loan-to-share
84.76%
79th percentile

Growth

Member growth YoY
-0.79%
47th percentile
Asset growth YoY
0.44%
23th percentile
Loan growth YoY
-1.18%
35th percentile
Share growth YoY
-1.14%
17th percentile

Operations

Members / branch
3,383
57th percentile
Assets / member
$9,208
10th percentile
Field of membership penetration
11.28%
61th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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