UNITED COMMUNITY
Charter #68369 · Houston, TX · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 4.77% ranks in the 85th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.98% sits at the 80th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 1.08% sits at the 84th percentile of structural peers — worth a closer look.
- On Members, the asset-size band puts this credit union at the 52nd percentile but its structural peers at the 36th — a 16-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 COMMUNITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $127.00M | 18th pct | 23th pct |
| Members | 13,596 | 52th pct | 36th pct |
| Net worth ratio | 11.89% | 56th pct | 61th pct |
| Return on average assets | 0.95% | 67th pct | 69th pct |
| Net interest margin | 4.77% | 94th pct | 85th pct |
| Cost of funds | 0.83% | 30th pct | 38th pct |
| Loan-to-share | 78.58% | 65th pct | 51th pct |
| Delinquency 60+ days | 0.98% | 75th pct | 80th pct |
| Net charge-off ratio | 1.08% | 90th pct | 84th pct |
| Loan growth YoY | -1.80% | 26th pct | 26th pct |
| Share growth YoY | 1.02% | 17th pct | 18th pct |
| Efficiency ratio | 77.53% | 46th pct | 41th pct |
structural peer set hash: 5d1ca239a720204969c0d9286e60fd5e… (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.