UNITED BUSINESS & INDUSTRY
Charter #7244 · Plainville, CT · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.23% ranks in the 77th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 1.11% ranks in the 21st percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.10% ranks in the 3rd percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 65.77% ranks in the 23rd percentile among structurally similar credit unions — a relative strength.
- On Net interest margin, the asset-size band puts this credit union at the 75th percentile but its structural peers at the 49th — a 26-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 BUSINESS & INDUSTRY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $143.39M | 28th pct | 43th pct |
| Members | 11,241 | 39th pct | 34th pct |
| Net worth ratio | 11.40% | 49th pct | 51th pct |
| Return on average assets | 1.23% | 80th pct | 77th pct |
| Net interest margin | 4.08% | 75th pct | 49th pct |
| Cost of funds | 1.11% | 44th pct | 21th pct |
| Loan-to-share | 91.52% | 91th pct | 79th pct |
| Delinquency 60+ days | 0.10% | 6th pct | 3th pct |
| Net charge-off ratio | 0.76% | 82th pct | 66th pct |
| Loan growth YoY | -0.92% | 37th pct | 28th pct |
| Share growth YoY | 6.90% | 86th pct | 77th pct |
| Efficiency ratio | 65.77% | 17th pct | 23th pct |
structural peer set hash: 39ea5a098bcd4ac44bc232ec66f096f9… (reproducible)
Closest structural peers
This is the free public view
Claim UNITED BUSINESS & INDUSTRY
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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.