UNITY ONE
Charter #68589 · Fort Worth, TX · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 24,949 ranks in the 77th percentile among structurally similar credit unions — a relative strength.
- Net worth ratio of 8.39% sits at the 5th percentile of structural peers — worth a closer look.
- Return on average assets of -0.30% sits at the 3rd percentile of structural peers — worth a closer look.
- Net charge-off ratio of 1.01% sits at the 77th percentile of structural peers — worth a closer look.
- Efficiency ratio of 95.53% sits at the 93rd percentile of structural peers — worth a closer look.
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 | UNITY ONE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $280.17M | 70th pct | 62th pct |
| Members | 24,949 | 88th pct | 77th pct |
| Net worth ratio | 8.39% | 6th pct | 5th pct |
| Return on average assets | -0.30% | 4th pct | 3th pct |
| Net interest margin | 3.79% | 59th pct | 66th pct |
| Cost of funds | 0.96% | 37th pct | 49th pct |
| Loan-to-share | 60.19% | 27th pct | 30th pct |
| Delinquency 60+ days | 0.70% | 57th pct | 52th pct |
| Net charge-off ratio | 1.01% | 88th pct | 77th pct |
| Loan growth YoY | -5.40% | 5th pct | 10th pct |
| Share growth YoY | 1.05% | 18th pct | 18th pct |
| Efficiency ratio | 95.53% | 95th pct | 93th pct |
structural peer set hash: 62eb9b2707fb4282d70fc2cd154f3ed4… (reproducible)
Closest structural peers
This is the free public view
Claim UNITY ONE
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.