United Community

Quincy, IL · 2 · Charter #60095 · www.myuccu.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
$127.5M
62th percentile
Members
10,430
71th percentile
Total loans
$99.2M
75th percentile
Total shares
$107.1M
61th percentile

Profitability

Return on assets
1.12%
56th percentile
Net interest margin
3.75%
55th percentile
Efficiency ratio
62.43%
51th percentile
Non-interest income ratio
19.92%
64th percentile

Capital & Risk

Net worth ratio
15.66%
80th percentile
Delinquency rate
0.51%
64th percentile
Net charge-off rate
0.20%
67th percentile
Loan-to-share
92.61%
90th percentile

Growth

Member growth YoY
1.68%
76th percentile
Asset growth YoY
3.88%
49th percentile
Loan growth YoY
9.50%
85th percentile
Share growth YoY
3.56%
52th percentile

Operations

Members / branch
3,477
58th percentile
Assets / member
$12,222
31th percentile
Field of membership penetration
6.69%
51th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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