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.
| Metric | UNITED CONSUMERS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $216.47M | 55th pct | 52th pct |
| Members | 16,726 | 66th pct | 46th pct |
| Net worth ratio | 11.78% | 54th pct | 72th pct |
| Return on average assets | 1.22% | 80th pct | 87th pct |
| Net interest margin | 4.10% | 77th pct | 46th pct |
| Cost of funds | 1.50% | 67th pct | 67th pct |
| Loan-to-share | 82.37% | 74th pct | 64th pct |
| Delinquency 60+ days | 0.73% | 60th pct | 57th pct |
| Net charge-off ratio | 0.24% | 35th pct | 15th pct |
| Loan growth YoY | 6.55% | 93th pct | 89th pct |
| Share growth YoY | 1.44% | 21th pct | 23th pct |
| Efficiency ratio | 73.45% | 32th pct | 30th pct |
structural peer set hash: ec8a360a6f029c0ed5f2bb2b6fc301d2… (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.