UNITED NATIONS
Charter #5588 · LONG ISLAND CIT, NY · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 264,065 ranks in the 75th percentile among structurally similar credit unions — a relative strength.
- Net worth ratio of 9.58% sits at the 21st percentile of structural peers — worth a closer look.
- Return on average assets of 1.20% ranks in the 85th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 1.31% ranks in the 20th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.21% ranks in the 20th percentile among structurally similar credit unions — a relative strength.
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 NATIONS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $10.48B | 96th pct | 95th pct |
| Members | 264,065 | 81th pct | 75th pct |
| Net worth ratio | 9.58% | 23th pct | 21th pct |
| Return on average assets | 1.20% | 81th pct | 85th pct |
| Net interest margin | 2.85% | 19th pct | 46th pct |
| Cost of funds | 1.31% | 30th pct | 20th pct |
| Loan-to-share | 66.14% | 12th pct | 25th pct |
| Delinquency 60+ days | 0.21% | 9th pct | 20th pct |
| Net charge-off ratio | 0.19% | 13th pct | 34th pct |
| Loan growth YoY | 1.40% | 45th pct | 41th pct |
| Share growth YoY | 3.04% | 32th pct | 38th pct |
| Efficiency ratio | 60.84% | 13th pct | 15th pct |
structural peer set hash: 7eff91f1a0653f492215ccc7931f14d7… (reproducible)
Closest structural peers
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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.