UNITED LABOR
Charter #67009 · Raytown, MO · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 5,547 ranks in the 75th percentile among structurally similar credit unions — a relative strength.
- Net worth ratio of 7.16% sits at the 3rd percentile of structural peers — worth a closer look.
- Net interest margin of 5.33% ranks in the 97th percentile among structurally similar credit unions — a relative strength.
- On Members, the asset-size band puts this credit union at the 98th percentile but its structural peers at the 75th — a 22-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 LABOR | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $22.58M | 43th pct | 25th pct |
| Members | 5,547 | 98th pct | 75th pct |
| Net worth ratio | 7.16% | 2th pct | 3th pct |
| Return on average assets | 0.07% | 20th pct | 26th pct |
| Net interest margin | 5.33% | 96th pct | 97th pct |
| Cost of funds | 0.99% | 58th pct | 62th pct |
| Loan-to-share | 55.47% | 47th pct | 52th pct |
| Delinquency 60+ days | 1.26% | 73th pct | 66th pct |
| Net charge-off ratio | 0.43% | 68th pct | 46th pct |
| Loan growth YoY | -1.59% | 57th pct | 61th pct |
| Share growth YoY | 7.06% | 87th pct | 79th pct |
| Efficiency ratio | 75.26% | 38th pct | 31th pct |
structural peer set hash: 21bdecfbaf933f036b71a4af36e811b8… (reproducible)
Closest structural peers
This is the free public view
Claim UNITED LABOR
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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.