Unity One

Performance vs peers

Percentile rank within the Community ($250M–$1B) peer group (673 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets

$271.3M

8^th percentile

Members

24,940

41^th percentile

Total loans

$163.5M

9^th percentile

Total shares

$254.3M

15^th percentile

Profitability

Return on assets

0.42%

14^th percentile

Net interest margin

3.88%

76^th percentile

Efficiency ratio

72.62%

6^th percentile

Non-interest income ratio

15.26%

27^th percentile

Capital & Risk

Net worth ratio

8.74%

13^th percentile

Delinquency rate

0.90%

34^th percentile

Net charge-off rate

1.19%

8^th percentile

Loan-to-share

64.29%

18^th percentile

Growth

Member growth YoY

-6.10%

7^th percentile

Asset growth YoY

-6.47%

2^th percentile

Loan growth YoY

-10.64%

2^th percentile

Share growth YoY

-7.80%

1^th percentile

Operations

Members / branch

3,563

26^th percentile

Assets / member

$10,876

6^th percentile

Field of membership penetration

0.32%

3^th percentile

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