UNITE
Charter #65071 · Cedar Falls, IA · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 1,574 sits at the 21st percentile of structural peers — worth a closer look.
- Return on average assets of -1.33% sits at the 3rd percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.00% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 1.35% sits at the 93rd percentile of structural peers — worth a closer look.
- Efficiency ratio of 116.85% sits at the 95th percentile of structural peers — worth a closer look.
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 | UNITE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $23.51M | 45th pct | 20th pct |
| Members | 1,574 | 27th pct | 21th pct |
| Net worth ratio | 11.66% | 33th pct | 46th pct |
| Return on average assets | -1.33% | 5th pct | 3th pct |
| Net interest margin | 3.47% | 33th pct | 59th pct |
| Cost of funds | 0.98% | 57th pct | 46th pct |
| Loan-to-share | 48.49% | 34th pct | 39th pct |
| Delinquency 60+ days | 0.00% | 0th pct | 0th pct |
| Net charge-off ratio | 1.35% | 90th pct | 93th pct |
| Loan growth YoY | 12.24% | 99th pct | 98th pct |
| Share growth YoY | 8.13% | 91th pct | 85th pct |
| Efficiency ratio | 116.85% | 97th pct | 95th pct |
structural peer set hash: 48e886fea2e90cc4c77a85043843acc8… (reproducible)
Closest structural peers
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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.