United Neighborhood

Augusta, GA · 1 · Charter #24683 · www.unitedneighborhoodfcu.o
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$3.2M
18th percentile
Members
642
23th percentile
Total loans
$2.0M
22th percentile
Total shares
$2.7M
19th percentile

Profitability

Return on assets
-0.10%
13th percentile
Net interest margin
4.95%
81th percentile
Efficiency ratio
87.39%
15th percentile
Non-interest income ratio
22.93%
87th percentile

Capital & Risk

Net worth ratio
10.31%
18th percentile
Delinquency rate
5.69%
6th percentile
Net charge-off rate
0.39%
38th percentile
Loan-to-share
72.67%
67th percentile

Growth

Member growth YoY
0.16%
69th percentile
Asset growth YoY
-8.68%
7th percentile
Loan growth YoY
-8.31%
29th percentile
Share growth YoY
-9.87%
8th percentile

Operations

Members / branch
321
14th percentile
Assets / member
$4,913
16th percentile
Field of membership penetration
10.46%
24th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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