United Equity

Decatur, IL · 3 · Charter #81688 · www.uecu.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
$67.9M
19th percentile
Members
6,050
35th percentile
Total loans
$40.1M
27th percentile
Total shares
$55.8M
17th percentile

Profitability

Return on assets
2.05%
93th percentile
Net interest margin
4.62%
90th percentile
Efficiency ratio
55.71%
70th percentile
Non-interest income ratio
16.73%
47th percentile

Capital & Risk

Net worth ratio
17.36%
88th percentile
Delinquency rate
0.51%
64th percentile
Net charge-off rate
1.06%
10th percentile
Loan-to-share
71.91%
57th percentile

Growth

Member growth YoY
-6.59%
7th percentile
Asset growth YoY
-2.92%
8th percentile
Loan growth YoY
-10.22%
5th percentile
Share growth YoY
-5.20%
3th percentile

Operations

Members / branch
3,025
48th percentile
Assets / member
$11,230
22th percentile
Field of membership penetration
30.25%
78th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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