UNITED
Charter #6288 · St Joseph, MI · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.56% ranks in the 93rd percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 61.83% ranks in the 11th percentile among structurally similar credit unions — a relative strength.
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 | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $4.40B | 77th pct | 77th pct |
| Members | 190,895 | 71th pct | 67th pct |
| Net worth ratio | 11.64% | 66th pct | 66th pct |
| Return on average assets | 1.56% | 94th pct | 93th pct |
| Net interest margin | 3.29% | 47th pct | 54th pct |
| Cost of funds | 2.12% | 68th pct | 62th pct |
| Loan-to-share | 87.42% | 53th pct | 48th pct |
| Delinquency 60+ days | 0.56% | 43th pct | 41th pct |
| Net charge-off ratio | 0.64% | 60th pct | 72th pct |
| Loan growth YoY | 0.45% | 34th pct | 36th pct |
| Share growth YoY | 3.89% | 45th pct | 41th pct |
| Efficiency ratio | 61.83% | 16th pct | 11th pct |
structural peer set hash: bef2c9e0eb0221de32a970422d18d1c5… (reproducible)
Closest structural peers
This is the free public view
Claim UNITED
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.