UNITED EMPLOYEES
Charter #60263 · ALBERT LEA, MN · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.64% ranks in the 80th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 2.98% sits at the 5th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.00% ranks in the 8th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 48.65% ranks in the 3rd percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 42nd percentile but its structural peers at the 59th — a 17-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 EMPLOYEES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $67.31M | 42th pct | 59th pct |
| Members | 3,973 | 27th pct | 36th pct |
| Net worth ratio | 13.61% | 59th pct | 57th pct |
| Return on average assets | 1.64% | 88th pct | 80th pct |
| Net interest margin | 2.98% | 16th pct | 5th pct |
| Cost of funds | 0.39% | 18th pct | 28th pct |
| Loan-to-share | 47.73% | 26th pct | 31th pct |
| Delinquency 60+ days | 0.80% | 62th pct | 56th pct |
| Net charge-off ratio | 0.00% | 14th pct | 8th pct |
| Loan growth YoY | -2.32% | 41th pct | 49th pct |
| Share growth YoY | 8.63% | 93th pct | 89th pct |
| Efficiency ratio | 48.65% | 3th pct | 3th pct |
structural peer set hash: 861cc397695f2a21fae38d3db80d1766… (reproducible)
Closest structural peers
This is the free public view
Claim UNITED EMPLOYEES
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.