UNITED MEMBERS
Charter #9248 · TULSA, OK · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 1,227 sits at the 25th percentile of structural peers — worth a closer look.
- Net interest margin of 3.03% sits at the 16th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 2.52% sits at the 92nd percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 2nd percentile but its structural peers at the 28th — a 25-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 MEMBERS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $10.54M | 2th pct | 28th pct |
| Members | 1,227 | 13th pct | 25th pct |
| Net worth ratio | 18.30% | 79th pct | 69th pct |
| Return on average assets | 0.59% | 47th pct | 44th pct |
| Net interest margin | 3.03% | 17th pct | 16th pct |
| Cost of funds | 0.80% | 47th pct | 54th pct |
| Loan-to-share | 36.06% | 16th pct | 31th pct |
| Delinquency 60+ days | 0.30% | 37th pct | 33th pct |
| Net charge-off ratio | 2.52% | 97th pct | 92th pct |
| Loan growth YoY | 5.67% | 93th pct | 98th pct |
| Share growth YoY | -4.43% | 4th pct | 10th pct |
| Efficiency ratio | 83.31% | 58th pct | 54th pct |
structural peer set hash: 9d45e4124f5dafe331a087079d5ef144… (reproducible)
Closest structural peers
This is the free public view
Claim UNITED MEMBERS
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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.