UNITED COMMUNITY
Charter #60095 · Quincy, IL · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 15.32% ranks in the 84th percentile among structurally similar credit unions — a relative strength.
- On Net interest margin, the asset-size band puts this credit union at the 72nd percentile but its structural peers at the 46th — a 26-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 COMMUNITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $132.39M | 21th pct | 33th pct |
| Members | 10,469 | 35th pct | 39th pct |
| Net worth ratio | 15.32% | 87th pct | 84th pct |
| Return on average assets | 0.98% | 69th pct | 54th pct |
| Net interest margin | 4.03% | 72th pct | 46th pct |
| Cost of funds | 1.19% | 49th pct | 41th pct |
| Loan-to-share | 89.62% | 88th pct | 82th pct |
| Delinquency 60+ days | 0.46% | 38th pct | 36th pct |
| Net charge-off ratio | 0.32% | 46th pct | 34th pct |
| Loan growth YoY | 3.88% | 81th pct | 64th pct |
| Share growth YoY | 6.50% | 84th pct | 75th pct |
| Efficiency ratio | 77.80% | 47th pct | 61th pct |
structural peer set hash: e0e9f5ddf5a0ac036d9925db8db7c5c1… (reproducible)
Closest structural peers
This is the free public view
Claim UNITED COMMUNITY
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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.