UNITED TRADES
Charter #10442 · TUALATIN, OR · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Cost of funds of 1.33% sits at the 79th percentile of structural peers — worth a closer look.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | UNITED TRADES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $54.88M | 12th pct | 23th pct |
| Members | 5,943 | 65th pct | 57th pct |
| Net worth ratio | 13.29% | 55th pct | 64th pct |
| Return on average assets | 0.24% | 24th pct | 28th pct |
| Net interest margin | 3.71% | 51th pct | 43th pct |
| Cost of funds | 1.33% | 73th pct | 79th pct |
| Loan-to-share | 74.94% | 77th pct | 70th pct |
| Delinquency 60+ days | 0.56% | 46th pct | 41th pct |
| Net charge-off ratio | 0.40% | 65th pct | 56th pct |
| Loan growth YoY | -2.31% | 41th pct | 44th pct |
| Share growth YoY | -0.24% | 15th pct | 30th pct |
| Efficiency ratio | 88.06% | 75th pct | 67th pct |
structural peer set hash: ff54a49801c8654f8e38753900eb5612… (reproducible)
Closest structural peers
This is the free public view
Claim UNITED TRADES
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.