United Federal Credit Union
Total assets
$4.40B
▲ +5.1% YoY
Shares & deposits
$3.62B
▲ +3.8% YoY
Loans
$3.17B
▲ +4.2% YoY
Members
190,895
▼ -0.3% YoY
ROA (annualized)
1.53%
peers 0.71%
ROE (annualized)
13.14%
peers 6.28%
Peer comparison 450 credit unions with 1B-10B in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.1% | +5.1% | -0.1 pts |
| Share growth (YoY) | +3.8% | +4.9% | -1.1 pts |
| Loan growth (YoY) | +4.2% | +5.4% | -1.3 pts |
| ROA | 1.53% | 0.71% | +0.8 pts |
| ROE | 13.1% | 6.3% | +6.9 pts |
ROA ranks in the 94th percentile of its peer group · Q1 2026
Profile
- Established
- 1949
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 6
- Address
- 150 Hilltop Road, St Joseph, MI, 49085
- NCUA charter #
- 6288
- RSSD ID
- 907882
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $4.40B | $3.62B | $3.17B | $512.8M | $16.8M | 1.53% | 3.23% | 0.56% | 190,895 |
| Q4 2025 | $4.24B | $3.48B | $3.17B | $496.0M | $50.4M | 1.19% | 3.27% | 0.86% | 190,227 |
| Q3 2025 | $4.25B | $3.49B | $3.15B | $499.9M | $41.1M | 1.29% | 3.23% | 0.53% | 190,355 |
| Q2 2025 | $4.21B | $3.45B | $3.10B | $485.4M | $26.6M | 1.26% | 3.18% | 0.39% | 191,414 |
| Q1 2025 | $4.19B | $3.49B | $3.04B | $470.5M | $11.6M | 1.11% | 3.11% | 0.44% | 191,437 |
| Q4 2024 | $4.17B | $3.43B | $3.05B | $458.8M | $25.5M | 0.61% | 2.86% | 0.59% | 192,242 |
| Q3 2024 | $4.13B | $3.46B | $3.05B | $457.2M | $17.7M | 0.57% | 2.84% | 0.65% | 192,997 |
| Q2 2024 | $4.10B | $3.45B | $3.04B | $451.6M | $12.1M | 0.59% | 2.80% | 0.61% | 203,010 |
Loan mix (Q1 2026): real estate $1.93B · commercial $374.1M · consumer $612.2M · securities $700.7M
Ratio pack Q1 2026 · peer medians from 450 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.53% | 0.71% | 94th | |
Return on equity Annualized net income ÷ equity or net worth | 13.1% | 6.3% | 95th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.23% | 3.32% | 45th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 61.8% | 73.0% | 14th | |
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% |
Balance sheet
| Ratio | Value | 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% |
Capital
| Ratio | Value | 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% |
Credit quality
| Ratio | Value | 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% |
Franchise
| Ratio | Value | 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% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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