United Heritage

Performance vs peers

Percentile rank within the Mid ($1B–$10B) peer group (446 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets

$1.7B

38^th percentile

Members

82,873

30^th percentile

Total loans

$1.3B

42^th percentile

Total shares

$1.2B

31^th percentile

Profitability

Return on assets

0.83%

39^th percentile

Net interest margin

3.01%

37^th percentile

Efficiency ratio

55.95%

30^th percentile

Non-interest income ratio

21.67%

72^th percentile

Capital & Risk

Net worth ratio

10.01%

33^th percentile

Delinquency rate

0.93%

33^th percentile

Net charge-off rate

0.33%

74^th percentile

Loan-to-share

100.72%

80^th percentile

Growth

Member growth YoY

3.11%

59^th percentile

Asset growth YoY

3.85%

32^th percentile

Loan growth YoY

0.26%

20^th percentile

Share growth YoY

1.89%

20^th percentile

Operations

Members / branch

7,534

49^th percentile

Assets / member

$20,051

67^th percentile

Field of membership penetration

8.29%

63^th percentile

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