| Metric | Unity One Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -4.9% | +4.1% | -9.0 pts |
| Share growth (YoY) | -5.4% | +3.5% | -9.0 pts |
| Loan growth (YoY) | -5.8% | +2.9% | -8.7 pts |
| ROA | -0.41% | 0.74% | -1.1 pts |
| ROE | -4.9% | 6.5% | -11.3 pts |
ROA ranks in the 2nd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $275.9M | $260.0M | $161.6M | $23.1M | $-562K | -0.41% | 3.81% | 0.98% | 23,417 |
| Q1 2026 | $280.2M | $263.7M | $158.7M | $23.5M | $-206K | -0.29% | 3.73% | 0.70% | 24,949 |
| Q4 2025 | $271.3M | $254.3M | $163.5M | $23.7M | $-544K | -0.20% | 3.88% | 0.90% | 24,940 |
| Q3 2025 | $277.8M | $261.0M | $167.8M | $24.4M | $-426K | -0.20% | 3.78% | 0.58% | 24,948 |
| Q2 2025 | $290.0M | $274.9M | $171.6M | $24.6M | $-212K | -0.15% | 3.61% | 0.65% | 24,987 |
| Q1 2025 | $299.7M | $284.1M | $176.0M | $24.7M | $-91K | -0.12% | 3.46% | 0.77% | 26,505 |
| Q4 2024 | $290.0M | $275.8M | $183.0M | $24.8M | $-145K | -0.05% | 3.49% | 1.24% | 26,559 |
| Q3 2024 | $297.1M | $279.6M | $186.2M | $25.3M | $-196K | -0.09% |
| Ratio | Unity One Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.41% | 0.74% | 2nd | |
Return on equity Annualized net income ÷ equity or net worth | -4.9% | 6.5% | 2nd | |
Net interest margin Interest income − interest expense, ÷ assets | 3.81% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 3.41% |
| 0.71% |
| 26,556 |
| Q2 2024 | $291.7M | $278.1M | $188.8M | $25.3M | $-215K | -0.15% | 3.46% | 0.95% | 26,432 |
Loan mix (Q2 2026): real estate $74.1M · commercial $0 · consumer $73.0M · securities $59.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 96.5% | 77.5% | 97th |
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 | Unity One 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 | Unity One 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 | Unity One 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 | Unity One 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 | Unity One 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.
7 branches in 3 counties across 3 states (+0 vs 2025). Biggest market: Tarrant, TX, ranked 46th with 0.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Tarrant, TX | 5 | $185.7M* | 0.23% | 46th |
| Ramsey, MN | 1 | $37.1M* | 0.05% | 44th |
| Wyandotte, KS | 1 | $37.1M* | 1.26% | 16th |
Texas: 417th with 0.01% · Minnesota: 323rd with 0.01% · Kansas: 242nd with 0.03% · Dallas-Fort Worth-Arlington metro: 137th, 0.02% · Minneapolis-St. Paul-Bloomington metro: 152nd, 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 7 · 2023 7 · 2024 7 · 2025 7 · 2026 7