UNITED EQUITY
Charter #81688 · Decatur, IL · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 17.97% ranks in the 82nd percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 1.77% ranks in the 89th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 4.78% ranks in the 92nd percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of -0.03% ranks in the 7th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 64.45% ranks in the 13th percentile among structurally similar credit unions — a relative strength.
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 EQUITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $67.32M | 43th pct | 51th pct |
| Members | 5,870 | 63th pct | 56th pct |
| Net worth ratio | 17.97% | 85th pct | 82th pct |
| Return on average assets | 1.77% | 92th pct | 89th pct |
| Net interest margin | 4.78% | 93th pct | 92th pct |
| Cost of funds | 0.71% | 36th pct | 36th pct |
| Loan-to-share | 70.76% | 69th pct | 61th pct |
| Delinquency 60+ days | 0.44% | 39th pct | 39th pct |
| Net charge-off ratio | -0.03% | 8th pct | 7th pct |
| Loan growth YoY | -5.29% | 16th pct | 8th pct |
| Share growth YoY | -3.33% | 4th pct | 3th pct |
| Efficiency ratio | 64.45% | 17th pct | 13th pct |
structural peer set hash: 0321b8d20fb46e991ba3a338c78d9593… (reproducible)
Closest structural peers
This is the free public view
Claim UNITED EQUITY
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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.