UNITED
Charter #67587 · Tyler, TX · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 6.98% sits at the 2nd percentile of structural peers — worth a closer look.
- Net interest margin of 2.62% sits at the 3rd percentile of structural peers — worth a closer look.
- Cost of funds of 1.39% sits at the 79th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 1.38% sits at the 85th percentile of structural peers — worth a closer look.
- Efficiency ratio of 77.24% ranks in the 20th 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 | $29.99M | 61th pct | 43th pct |
| Members | 2,088 | 49th pct | 28th pct |
| Net worth ratio | 6.98% | 2th pct | 2th pct |
| Return on average assets | 0.68% | 51th pct | 59th pct |
| Net interest margin | 2.62% | 8th pct | 3th pct |
| Cost of funds | 1.39% | 75th pct | 79th pct |
| Loan-to-share | 64.63% | 61th pct | 54th pct |
| Delinquency 60+ days | 1.38% | 76th pct | 85th pct |
| Net charge-off ratio | 0.17% | 54th pct | 43th pct |
| Loan growth YoY | 0.05% | 71th pct | 62th pct |
| Share growth YoY | 6.52% | 84th pct | 89th pct |
| Efficiency ratio | 77.24% | 42th pct | 20th pct |
structural peer set hash: 26415925213c36794ae8e889dd6ebbb4… (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.