UNITED CHURCHES
Charter #62144 · Taylor, MI · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 1,148 sits at the 3rd percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 41st percentile but its structural peers at the 16th — a 25-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 CHURCHES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $21.94M | 41th pct | 16th pct |
| Members | 1,148 | 10th pct | 3th pct |
| Net worth ratio | 10.02% | 19th pct | 28th pct |
| Return on average assets | 0.69% | 52th pct | 46th pct |
| Net interest margin | 3.82% | 48th pct | 69th pct |
| Cost of funds | 0.38% | 25th pct | 34th pct |
| Loan-to-share | 25.21% | 5th pct | 13th pct |
| Delinquency 60+ days | 0.48% | 45th pct | 46th pct |
| Net charge-off ratio | -0.02% | 18th pct | 26th pct |
| Loan growth YoY | -6.56% | 20th pct | 18th pct |
| Share growth YoY | 2.54% | 51th pct | 46th pct |
| Efficiency ratio | 75.71% | 39th pct | 41th pct |
structural peer set hash: dedc95abea34d3e9366bc19e1df52d7c… (reproducible)
Closest structural peers
This is the free public view
Claim UNITED CHURCHES
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.