| Metric | United Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.8% | +1.3% | +1.5 pts |
| Share growth (YoY) | +4.0% | +0.9% | +3.0 pts |
| Loan growth (YoY) | +1.5% | -2.6% | +4.1 pts |
| ROA | 0.63% | 0.65% | -0.0 pts |
| ROE | 8.8% | 4.4% | +4.5 pts |
ROA ranks in the 49th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $29.6M | $27.2M | $17.7M | $2.1M | $93K | 0.63% | 3.16% | 0.64% | 2,052 |
| Q1 2026 | $30.0M | $27.7M | $17.9M | $2.1M | $51K | 0.68% | 2.63% | 1.38% | 2,088 |
| Q4 2025 | $30.1M | $27.4M | $17.8M | $2.5M | $471K | 1.56% | 3.66% | 1.36% | 2,086 |
| Q3 2025 | $28.8M | $26.0M | $17.9M | $2.5M | $504K | 2.34% | 4.00% | 1.26% | 2,099 |
| Q2 2025 | $28.8M | $26.1M | $17.5M | $2.5M | $457K | 3.17% | 3.96% | 0.81% | 2,122 |
| Q1 2025 | $28.2M | $25.7M | $16.2M | $2.4M | $416K | 5.91% | 13.38% | 0.61% | 2,220 |
| Q4 2024 | $28.2M | $26.0M | $16.5M | $2.0M | $84K | 0.30% | 3.15% | 1.80% | 2,234 |
| Q3 2024 | $27.9M | $25.8M | $16.8M | $2.0M | $79K | 0.38% | 3.20% | 1.32% |
| Ratio | United Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.63% | 0.65% | 49th | |
Return on equity Annualized net income ÷ equity or net worth | 8.8% | 4.4% | 80th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.16% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 2,233 |
| Q2 2024 | $27.3M | $25.2M | $17.1M | $2.0M | $68K | 0.50% | 3.33% | 0.52% | 2,224 |
Loan mix (Q2 2026): real estate $5.0M · commercial $0 · consumer $11.1M · securities $4.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 82.8% | 80.6% | 56th |
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 | United 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 | United 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 | United 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 | United 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 | United 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: Smith, TX, ranked 28th with 0.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Smith, TX | 1 | $27.2M* | 0.26% | 28th |
Texas: 693rd with 0.00% · Tyler metro: 28th, 0.26% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1