United

St Joseph, MI · 1 · Charter #6288 · www.unitedfcu.com
Mid ($1B–$10B)Reporting period: Q4 2025Peer group: 446 CUs

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
$4.2B
79th percentile
Members
190,227
74th percentile
Total loans
$3.2B
80th percentile
Total shares
$3.5B
79th percentile

Profitability

Return on assets
1.36%
76th percentile
Net interest margin
3.27%
54th percentile
Efficiency ratio
46.89%
69th percentile
Non-interest income ratio
19.47%
57th percentile

Capital & Risk

Net worth ratio
11.69%
66th percentile
Delinquency rate
0.86%
39th percentile
Net charge-off rate
0.41%
61th percentile
Loan-to-share
90.90%
54th percentile

Growth

Member growth YoY
-1.05%
19th percentile
Asset growth YoY
1.76%
19th percentile
Loan growth YoY
3.77%
41th percentile
Share growth YoY
1.68%
19th percentile

Operations

Members / branch
4,323
9th percentile
Assets / member
$22,301
80th percentile
Field of membership penetration
40.00%
92th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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