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
- ASSETS 70/100
- MEM 27.8%
- RANK 3.45%
- PHOTO 1.15%
- BOOK $106.3M
- CHARTER 5,944
- NCUSIF #3,570/4,374
- CAMELS Money One
- HEALTH 21305
Call Report peers
The United in the assets neighbourhood
The United's $106.3M assets sit next to Money One ($106.4M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
The United vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
70 17th percentile higher than 17% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
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 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).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for WV only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for The United
The United: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.2% from $106.3M (2025Q4) to $107.6M (2026Q1).
- Net-worth ratio shifted -0.22 pp (27.98% → 27.76%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 70.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
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
Cross-state asset and health neighbours for The United - kept outside West Virginia; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($106.3M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (70/100 here).
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
- Rates and health both vary by institution, not just by state -- see how West Virginia credit unions compare overall before assuming this one is typical. West Virginia state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
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 the national health ranking (same basis as /rankings/healthiest), it sits at #3,570 of 4,374; by total assets it ranks #1,773 of 4,374 nationally (same basis as /rankings/largest); and #10 of 74 within West Virginia. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 27.76% 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 27.76% 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.
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.