UNITED CONSUMERS

Charter #68410 · INDEPENDENCE, MO · $100M-$500M

Public 5300 data · as of 2026Q1

What the numbers say

  • Return on average assets of 1.22% ranks in the 87th percentile among structurally similar credit unions — a relative strength.
  • Net charge-off ratio of 0.24% ranks in the 15th percentile among structurally similar credit unions — a relative strength.
  • On Net interest margin, the asset-size band puts this credit union at the 77th percentile but its structural peers at the 46th — a 31-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.

MetricUNITED CONSUMERSAsset-tier percentileStructural percentile
Total assets$216.47M55th pct52th pct
Members16,72666th pct46th pct
Net worth ratio11.78%54th pct72th pct
Return on average assets1.22%80th pct87th pct
Net interest margin4.10%77th pct46th pct
Cost of funds1.50%67th pct67th pct
Loan-to-share82.37%74th pct64th pct
Delinquency 60+ days0.73%60th pct57th pct
Net charge-off ratio0.24%35th pct15th pct
Loan growth YoY6.55%93th pct89th pct
Share growth YoY1.44%21th pct23th pct
Efficiency ratio73.45%32th pct30th pct

structural peer set hash: ec8a360a6f029c0ed5f2bb2b6fc301d2… (reproducible)

Closest structural peers

This is the free public view

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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.