| Metric | Unite Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.2% | +1.3% | +4.9 pts |
| Share growth (YoY) | +5.5% | +0.9% | +4.6 pts |
| Loan growth (YoY) | +17.2% | -2.6% | +19.8 pts |
| ROA | -0.23% | 0.65% | -0.9 pts |
| ROE | -1.9% | 4.4% | -6.3 pts |
ROA ranks in the 14th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $23.6M | $20.7M | $10.2M | $2.8M | $-27K | -0.23% | 3.43% | 3.42% | 1,573 |
| Q1 2026 | $23.5M | $20.7M | $10.0M | $2.7M | $-77K | -1.31% | 3.41% | 0.00% | 1,574 |
| Q4 2025 | $22.7M | $19.9M | $9.7M | $2.8M | $100K | 0.44% | 3.61% | 1.59% | 1,575 |
| Q3 2025 | $22.1M | $19.1M | $8.9M | $2.9M | $135K | 0.81% | 3.70% | 0.44% | 1,570 |
| Q2 2025 | $22.3M | $19.6M | $8.7M | $2.6M | $-80K | -0.72% | 3.64% | 0.46% | 1,579 |
| Q1 2025 | $22.2M | $19.6M | $8.6M | $2.7M | $-55K | -0.99% | 3.50% | 0.77% | 1,581 |
| Q4 2024 | $21.6M | $18.8M | $7.6M | $2.7M | $-15K | -0.07% | 3.98% | 1.55% | 1,594 |
| Q3 2024 | $21.1M | $18.3M | $7.6M | $2.8M | $79K | 0.50% | 4.18% | 1.92% |
| Ratio | Unite Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.23% | 0.65% | 14th | |
Return on equity Annualized net income ÷ equity or net worth | -1.9% | 4.4% | 13th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.43% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 1,605 |
| Q2 2024 | $21.9M | $19.0M | $7.7M | $2.8M | $61K | 0.56% | 3.91% | 1.30% | 1,634 |
Loan mix (Q2 2026): real estate $6.6M · commercial $0 · consumer $3.1M · securities $9.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 104.0% | 80.6% | 89th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Unite Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Unite Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% |
| Ratio | Unite Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Unite Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Unite Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
1 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Black Hawk, IA, ranked 21st with 0.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Black Hawk, IA | 1 | $20.7M* | 0.31% | 21st |
Iowa: 315th with 0.01% · Waterloo-Cedar Falls metro: 30th, 0.23% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 1 · 2025 1 · 2026 1