United

Tyler, TX · 2 · Charter #67587 · www.unitedcu.coop
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
$30.1M
77th percentile
Members
2,086
67th percentile
Total loans
$17.8M
84th percentile
Total shares
$24.6M
77th percentile

Profitability

Return on assets
1.71%
85th percentile
Net interest margin
3.66%
38th percentile
Efficiency ratio
58.75%
68th percentile
Non-interest income ratio
30.14%
94th percentile

Capital & Risk

Net worth ratio
8.20%
6th percentile
Delinquency rate
1.36%
34th percentile
Net charge-off rate
0.12%
59th percentile
Loan-to-share
72.43%
67th percentile

Growth

Member growth YoY
-6.62%
11th percentile
Asset growth YoY
6.76%
83th percentile
Loan growth YoY
8.05%
86th percentile
Share growth YoY
3.49%
67th percentile

Operations

Members / branch
2,086
79th percentile
Assets / member
$14,450
83th percentile
Field of membership penetration
0.70%
4th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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