UNITED LOCAL
Charter #60408 · Fresno, CA · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 19.78% ranks in the 85th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of -0.32% sits at the 10th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.57% sits at the 77th percentile of structural peers — worth a closer look.
- Efficiency ratio of 93.99% sits at the 85th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 14th percentile but its structural peers at the 77th — a 63-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 LOCAL | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $121.10M | 14th pct | 77th pct |
| Members | 7,613 | 15th pct | 62th pct |
| Net worth ratio | 19.78% | 97th pct | 85th pct |
| Return on average assets | -0.32% | 4th pct | 10th pct |
| Net interest margin | 3.77% | 57th pct | 39th pct |
| Cost of funds | 0.61% | 23th pct | 43th pct |
| Loan-to-share | 71.84% | 50th pct | 61th pct |
| Delinquency 60+ days | 0.41% | 32th pct | 48th pct |
| Net charge-off ratio | 0.57% | 70th pct | 77th pct |
| Loan growth YoY | -10.33% | 0th pct | 5th pct |
| Share growth YoY | 0.49% | 13th pct | 23th pct |
| Efficiency ratio | 93.99% | 93th pct | 85th pct |
structural peer set hash: 62d928e1a06c441709dd41ce150c7670… (reproducible)
Closest structural peers
This is the free public view
Claim UNITED LOCAL
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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.