UNITY FINANCIAL
Charter #68745 · New Haven, CT · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 8,186 ranks in the 89th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.40% ranks in the 21st percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.38% sits at the 80th percentile of structural peers — worth a closer look.
- Efficiency ratio of 95.28% sits at the 92nd percentile of structural peers — worth a closer look.
- On Net charge-off ratio, the asset-size band puts this credit union at the 62nd percentile but its structural peers at the 80th — a 18-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 | UNITY FINANCIAL | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $65.39M | 37th pct | 30th pct |
| Members | 8,186 | 88th pct | 89th pct |
| Net worth ratio | 12.84% | 50th pct | 61th pct |
| Return on average assets | 0.30% | 28th pct | 26th pct |
| Net interest margin | 4.03% | 69th pct | 62th pct |
| Cost of funds | 0.40% | 18th pct | 21th pct |
| Loan-to-share | 77.41% | 80th pct | 69th pct |
| Delinquency 60+ days | 0.27% | 26th pct | 34th pct |
| Net charge-off ratio | 0.38% | 62th pct | 80th pct |
| Loan growth YoY | -5.77% | 14th pct | 5th pct |
| Share growth YoY | 4.78% | 72th pct | 74th pct |
| Efficiency ratio | 95.28% | 90th pct | 92th pct |
structural peer set hash: 4c5dcc9ef54ce187d505399a30c97455… (reproducible)
Closest structural peers
This is the free public view
Claim UNITY FINANCIAL
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.