UNITED NEIGHBORHOOD
Charter #24683 · Augusta, GA · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of -1.53% sits at the 18th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 3.81% sits at the 92nd percentile of structural peers — worth a closer look.
- Net charge-off ratio of -0.05% ranks in the 10th percentile among structurally similar credit unions — a relative strength.
- On Net worth ratio, the asset-size band puts this credit union at the 14th percentile but its structural peers at the 38th — a 24-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 | UNITED NEIGHBORHOOD | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $3.11M | 42th pct | 28th pct |
| Members | 623 | 53th pct | 34th pct |
| Net worth ratio | 10.08% | 14th pct | 38th pct |
| Return on average assets | -1.53% | 13th pct | 18th pct |
| Net interest margin | 4.62% | 68th pct | 66th pct |
| Cost of funds | 0.49% | 50th pct | 38th pct |
| Loan-to-share | 66.13% | 59th pct | 38th pct |
| Delinquency 60+ days | 3.81% | 82th pct | 92th pct |
| Net charge-off ratio | -0.05% | 16th pct | 10th pct |
| Loan growth YoY | -6.98% | 40th pct | 28th pct |
| Share growth YoY | -4.23% | 21th pct | 18th pct |
| Efficiency ratio | 101.81% | 75th pct | 67th pct |
structural peer set hash: c4b72c8f50a9e7359d79fb42580e7642… (reproducible)
Closest structural peers
This is the free public view
Claim UNITED NEIGHBORHOOD
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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.