Federal credit union · Morgantown, West Virginia · NCUA charter #21305
The United
Health score 70/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 70
- Health / 100
- $106.3M
- Total assets
- 5,944
- Members
- 27.8%
- Net-worth ratio
The United scores 70/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $106.3M; members 5,944; net-worth ratio 27.76%; health rank #3,570 of 4,374; healthier than 17th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#3,570 of 4,374 health · 2025Q4The United · health 70/100 · $106.3M · 2025Q4
Call Report peers
The United in the assets neighbourhood
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The United vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); The United sits in 70-74 with 317 others.
70 17th percentile higher than 17% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
The United vs $100M–$500M peers
- Strongest edge vs 1069 $100M–$500M peers is Loan-to-Share Ratio: +18.56 pp (90.76% vs 72.20%).
- Largest lag: Delinquency Rate at 3.45% vs peer 0.89% (+2.56 pp).
West Virginia standing for The United
- In West Virginia, health place is #57 of 74 on the same NCUA-ratio sort used nationally.
- Assets rank #10 of 74 inside West Virginia ($106.3M reported).
- Member book place in West Virginia: #18 of 74.
- One place up in West Virginia, WEE (#56) scores 71/100, 1 point higher; one place down, Appalachian Power Employees (#58) ties at 70/100.
Quarter path for The United
The United: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.2% from $106.3M (2025Q4) to $107.6M (2026Q1).
- Net-worth ratio shifted -0.22 pp (27.98% → 27.76%).
This credit union's 27.76% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 70/100 score is built
The United gives up 30 points in total. Delinquency Rate costs the most, 21.6 of its 25; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 3.4 pts
- Return on Assets 15.0 pts
- Member Growth 6.8 pts
- Loan-to-Share Ratio 14.8 pts
The United vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 27.76% | +15.65 pp |
| Delinquency Rate | 3.45% | +2.56 pp |
| Return on Assets | 1.15% | +0.53 pp |
| Member Growth | -1.23% | - |
| Loan-to-Share Ratio | 90.76% | +18.56 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
The United filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $107.6M | - |
| 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
Branch Locations (4)
Per its most recent NCUA branch filing, The United runs 4 offices in 3 different cities across 2 states.
| Office | City |
|---|---|
| The United Federal Credit Union (Main Office) | Morgantown, WV |
| The United Federal Credit Union | Morgantown, WV |
| The United Federal Credit Union | Mount Pleasant, PA |
| The United Federal Credit Union | Uniontown, PA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
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.
Other-state peers near The United
Using this data
- The United ranks #3,570 of 4,374 nationally on financial health and #57 of 74 in WV -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- One Community is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with One Community
Frequently Asked Questions
Is The United financially healthy?
The United has a financial health score of 70/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,570 of 4,374 nationally on health and #57 of 74 in West Virginia. Its net worth ratio is 27.76% and its delinquency rate 3.45%.
How does The United compare to other credit unions?
The United scores 70/100, higher than 17% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (90.76% vs 72.20%). Its widest shortfall is delinquency rate (3.45% vs 0.89%).
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?
The United is a federal credit union; its shares are federally 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 27.76% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.