UNITED FINANCIAL
Charter #61657 · Saginaw, MI · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Cost of funds of 0.34% ranks in the 15th percentile among structurally similar credit unions — a relative strength.
- On Return on average assets, the asset-size band puts this credit union at the 53rd percentile but its structural peers at the 36th — 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 FINANCIAL | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $350.26M | 82th pct | 66th pct |
| Members | 21,710 | 82th pct | 70th pct |
| Net worth ratio | 10.74% | 39th pct | 48th pct |
| Return on average assets | 0.73% | 53th pct | 36th pct |
| Net interest margin | 3.39% | 34th pct | 39th pct |
| Cost of funds | 0.34% | 14th pct | 15th pct |
| Loan-to-share | 67.59% | 41th pct | 39th pct |
| Delinquency 60+ days | 0.40% | 32th pct | 33th pct |
| Net charge-off ratio | 0.47% | 61th pct | 66th pct |
| Loan growth YoY | 2.06% | 67th pct | 70th pct |
| Share growth YoY | 3.11% | 44th pct | 30th pct |
| Efficiency ratio | 77.33% | 45th pct | 52th pct |
structural peer set hash: 468c1e557c5a7ba34f0c7d00319c7400… (reproducible)
Closest structural peers
This is the free public view
Claim UNITED FINANCIAL
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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.