United Savings

FARGO, ND · 2 · Charter #65578 · www.unitedsavingscu.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
$122.4M
59th percentile
Members
7,167
46th percentile
Total loans
$89.6M
70th percentile
Total shares
$105.9M
60th percentile

Profitability

Return on assets
0.63%
24th percentile
Net interest margin
4.12%
75th percentile
Efficiency ratio
69.98%
26th percentile
Non-interest income ratio
11.88%
24th percentile

Capital & Risk

Net worth ratio
12.78%
58th percentile
Delinquency rate
0.86%
42th percentile
Net charge-off rate
0.18%
69th percentile
Loan-to-share
84.56%
78th percentile

Growth

Member growth YoY
-0.06%
57th percentile
Asset growth YoY
3.24%
44th percentile
Loan growth YoY
6.74%
77th percentile
Share growth YoY
2.91%
45th percentile

Operations

Members / branch
1,433
7th percentile
Assets / member
$17,084
71th percentile
Field of membership penetration
7.17%
52th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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