United Employees

ALBERT LEA, MN · 2 · Charter #60263 · www.unitedecu.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
$64.7M
16th percentile
Members
3,993
14th percentile
Total loans
$27.6M
12th percentile
Total shares
$55.4M
16th percentile

Profitability

Return on assets
1.38%
71th percentile
Net interest margin
2.82%
12th percentile
Efficiency ratio
34.41%
97th percentile
Non-interest income ratio
4.27%
3th percentile

Capital & Risk

Net worth ratio
13.74%
67th percentile
Delinquency rate
0.54%
62th percentile
Net charge-off rate
0.00%
98th percentile
Loan-to-share
49.79%
19th percentile

Growth

Member growth YoY
-1.41%
40th percentile
Asset growth YoY
7.91%
80th percentile
Loan growth YoY
3.22%
61th percentile
Share growth YoY
7.59%
80th percentile

Operations

Members / branch
3,993
69th percentile
Assets / member
$16,202
64th percentile
Field of membership penetration
39.93%
85th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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