UNITED COMMUNITY
Charter #7415 · West Mifflin, PA · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Delinquency 60+ days of 0.02% ranks in the 3rd percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 18th percentile but its structural peers at the 66th — a 47-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 COMMUNITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $127.68M | 18th pct | 66th pct |
| Members | 8,514 | 22th pct | 51th pct |
| Net worth ratio | 12.98% | 69th pct | 49th pct |
| Return on average assets | 1.29% | 82th pct | 74th pct |
| Net interest margin | 3.52% | 41th pct | 49th pct |
| Cost of funds | 0.51% | 19th pct | 36th pct |
| Loan-to-share | 41.64% | 5th pct | 26th pct |
| Delinquency 60+ days | 0.02% | 1th pct | 3th pct |
| Net charge-off ratio | 0.22% | 34th pct | 43th pct |
| Loan growth YoY | -2.88% | 18th pct | 39th pct |
| Share growth YoY | 1.50% | 22th pct | 21th pct |
| Efficiency ratio | 68.61% | 22th pct | 34th pct |
structural peer set hash: bb06d83d32185d4115ec19dac85f42b5… (reproducible)
Closest structural peers
This is the free public view
Claim UNITED COMMUNITY
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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.