THE UNITED
Charter #21305 · Morgantown, WV · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 27.76% ranks in the 90th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 0.49% sits at the 16th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 2.57% sits at the 93rd percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.37% sits at the 80th percentile of structural peers — worth a closer look.
- On Members, the asset-size band puts this credit union at the 6th percentile but its structural peers at the 56th — a 50-point gap showing why the peer definition matters.
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 | THE UNITED | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $107.62M | 6th pct | 52th pct |
| Members | 5,950 | 6th pct | 56th pct |
| Net worth ratio | 27.76% | 100th pct | 90th pct |
| Return on average assets | 0.49% | 35th pct | 16th pct |
| Net interest margin | 3.26% | 26th pct | 36th pct |
| Cost of funds | 1.83% | 82th pct | 70th pct |
| Loan-to-share | 90.97% | 90th pct | 64th pct |
| Delinquency 60+ days | 2.57% | 97th pct | 93th pct |
| Net charge-off ratio | 0.37% | 51th pct | 80th pct |
| Loan growth YoY | -0.55% | 41th pct | 41th pct |
| Share growth YoY | 2.58% | 36th pct | 59th pct |
| Efficiency ratio | 82.58% | 64th pct | 74th pct |
structural peer set hash: 7d1a467d61bb8880c12b2fba28f3fe91… (reproducible)
Closest structural peers
This is the free public view
Claim THE UNITED
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.