Federal credit union · Morgantown, West Virginia · NCUA charter #21305
The United
Health score 70/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 70
- Health / 100
- $106.3M
- Total assets
- 5,944
- Members
- 28.0%
- Net-worth ratio
The United - Share Insurance Coverage
Charter #21305's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
The United - Five Health Pillars
The five bars below are this credit union's pillar-level 0-100 sub-scores. Sum the weighted pillars and you get the headline health score above - same NCUA 5300 data, no normalisation tricks applied.
- Capital (net worth ratio)100
- Asset quality (delinquency)14
- Earnings (ROA)100
- Member growth45
- Liquidity (loan-to-share)98
Weighted composite: 70/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 27.98% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 27.98% | 30% |
| Delinquency Rate | 3.45% | 25% |
| Return on Assets | 1.15% | 15% |
| Member Growth | -1.23% | 15% |
| Loan-to-Share Ratio | 90.76% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $106.3M | 5,944 |
| 2024Q4 | $105.4M | 6,018 |
| 2023Q4 | $104.1M | 6,154 |
Credit Union Details
- Charter Number
- 21305
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- West Virginia
- City
- Morgantown
- Data Quarter
- 2025Q4
What This Data Says About The United
The United is a federal credit union headquartered in Morgantown, West Virginia, serving 5,944 members with $106.3M in total assets and $69.4M in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 70/100 (Very Good), anchored by a net worth ratio of 27.98% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #21305 operates under peer group $100M–$500M, a cohort of 1069 similarly-sized institutions.
Deposits deployed into lending sit at a 90.76% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Loan quality, meanwhile, shows 3.45% of the book 60+ days past due - the peer group average for $100M–$500M credit unions sits at 0.894%, so this institution is running looser than peers. Return on assets stands at 1.15% on net income of $1.2M for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -1.23%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Community) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.
Nearby Credit Unions in West Virginia
A look at other West Virginia credit unions, ranked by how closely their peer group and asset size match this one.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is The United financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, The United carries a financial health score of 70/100 (Very Good). On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 27.98% net worth ratio and a 3.45% delinquency rate.
How does The United compare to other credit unions?
Five weighted metrics from NCUA filings produce The United's 70/100 score on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join The United?
The United operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact The United directly for the exact boundaries and application steps.
Is my money safe at The United?
Federal credit unions like The United are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. The United's net worth ratio of 27.98% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does The United offer compared to banks?
Credit unions like The United are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact The United directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.