| Metric | Unitedone Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.7% | +3.9% | +2.8 pts |
| Share growth (YoY) | +2.8% | +3.3% | -0.5 pts |
| Loan growth (YoY) | +9.2% | +2.9% | +6.2 pts |
| ROA | 0.57% | 0.69% | -0.1 pts |
| ROE | 4.8% | 5.9% | -1.2 pts |
ROA ranks in the 40th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $336.5M | $282.6M | $278.4M | $40.0M | $477K | 0.57% | 4.16% | 0.09% | 18,992 |
| Q4 2025 | $329.1M | $274.2M | $275.0M | $39.6M | $2.2M | 0.66% | 3.96% | 0.32% | 19,017 |
| Q3 2025 | $321.0M | $269.8M | $266.4M | $39.3M | $1.7M | 0.70% | 3.96% | 0.10% | 19,060 |
| Q2 2025 | $318.2M | $275.3M | $261.2M | $38.6M | $949K | 0.60% | 3.93% | 0.21% | 19,105 |
| Q1 2025 | $315.5M | $274.9M | $255.0M | $37.8M | $130K | 0.16% | 3.82% | 0.07% | 19,154 |
| Q4 2024 | $307.3M | $268.1M | $254.7M | $37.6M | $2.5M | 0.83% | 3.71% | 0.27% | 19,217 |
| Q3 2024 | $310.3M | $271.4M | $250.1M | $37.3M | $2.1M | 0.88% | 3.59% | 0.24% | 19,312 |
| Q2 2024 | $310.8M | $272.3M | $247.1M | $36.7M | $1.4M | 0.91% | 3.54% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Unitedone Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.57% | 0.69% | 40th | |
Return on equity Annualized net income ÷ equity or net worth | 4.8% | 5.9% | 39th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.16% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.20% |
| 19,364 |
Loan mix (Q1 2026): real estate $170.1M · commercial $39.7M · consumer $57.6M · securities $32.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 89.1% | 78.7% | 83th |
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 | Unitedone 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 | Unitedone 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 | Unitedone 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 | Unitedone 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.