United Local

Fresno, CA · 2 · Charter #60408 · www.unitedlocal.org
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
$120.1M
58th percentile
Members
7,758
51th percentile
Total loans
$72.1M
60th percentile
Total shares
$95.2M
52th percentile

Profitability

Return on assets
0.86%
38th percentile
Net interest margin
3.91%
65th percentile
Efficiency ratio
75.00%
14th percentile
Non-interest income ratio
18.03%
55th percentile

Capital & Risk

Net worth ratio
20.02%
93th percentile
Delinquency rate
0.32%
79th percentile
Net charge-off rate
0.58%
26th percentile
Loan-to-share
75.70%
63th percentile

Growth

Member growth YoY
-5.61%
10th percentile
Asset growth YoY
-1.11%
14th percentile
Loan growth YoY
-8.39%
8th percentile
Share growth YoY
-2.29%
11th percentile

Operations

Members / branch
3,879
67th percentile
Assets / member
$15,484
58th percentile
Field of membership penetration
6.21%
50th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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