UNITED
Charter #63597 · Mexico, MO · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 37,487 ranks in the 95th percentile among structurally similar credit unions — a relative strength.
- Net worth ratio of 14.73% ranks in the 80th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 4.48% ranks in the 87th percentile among structurally similar credit unions — a relative strength.
- On Net charge-off ratio, the asset-size band puts this credit union at the 72nd percentile but its structural peers at the 52nd — a 20-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 | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $303.69M | 74th pct | 64th pct |
| Members | 37,487 | 98th pct | 95th pct |
| Net worth ratio | 14.73% | 84th pct | 80th pct |
| Return on average assets | 0.94% | 66th pct | 69th pct |
| Net interest margin | 4.48% | 89th pct | 87th pct |
| Cost of funds | 0.56% | 21th pct | 36th pct |
| Loan-to-share | 71.03% | 49th pct | 44th pct |
| Delinquency 60+ days | 0.42% | 33th pct | 33th pct |
| Net charge-off ratio | 0.60% | 72th pct | 52th pct |
| Loan growth YoY | -2.79% | 18th pct | 16th pct |
| Share growth YoY | -0.07% | 9th pct | 8th pct |
| Efficiency ratio | 82.16% | 63th pct | 69th pct |
structural peer set hash: c8e96a4efe82abf563be9494bd0ca05a… (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.