UNITED ASSOCIATION
Charter #65155 · CONCORD, CA · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of -1.18% sits at the 2nd percentile of structural peers — worth a closer look.
- Net interest margin of 4.68% ranks in the 93rd percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.29% ranks in the 15th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 19th percentile but its structural peers at the 48th — a 29-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 ASSOCIATION | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $14.33M | 19th pct | 48th pct |
| Members | 2,160 | 52th pct | 74th pct |
| Net worth ratio | 16.93% | 71th pct | 61th pct |
| Return on average assets | -1.18% | 5th pct | 2th pct |
| Net interest margin | 4.68% | 84th pct | 93th pct |
| Cost of funds | 0.29% | 20th pct | 15th pct |
| Loan-to-share | 60.62% | 55th pct | 59th pct |
| Delinquency 60+ days | 0.16% | 27th pct | 36th pct |
| Net charge-off ratio | 0.08% | 45th pct | 56th pct |
| Loan growth YoY | -1.41% | 58th pct | 64th pct |
| Share growth YoY | 9.49% | 94th pct | 90th pct |
| Efficiency ratio | 68.59% | 24th pct | 30th pct |
structural peer set hash: 846a47bdc4e47233f11aad4cdc34deca… (reproducible)
Closest structural peers
This is the free public view
Claim UNITED ASSOCIATION
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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.