State credit union · Cedar Falls, Iowa · NCUA charter #65071
UNITE
Health score 67/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 67
- Health / 100
- $22.7M
- Total assets
- 1,575
- Members
- 11.7%
- Net-worth ratio
UNITE scores 67/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $22.7M; members 1,575; net-worth ratio 11.66%; health rank #3,766 of 4,374; healthier than 13th of scored peers.
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NCUA 5300 Call Report Masthead
#3,766 of 4,374 health · 2025Q4UNITE · health 67/100 · $22.7M · 2025Q4
Call Report peers
UNITE in the assets neighbourhood
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UNITE vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); UNITE sits in 65-69 with 275 others.
67 13th percentile higher than 13% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Where UNITE diverges from peer averages
- Widest shortfall vs peers is Loan-to-Share Ratio: -10.74 pp (49.06% vs 59.80%).
UNITE in Iowa
- In Iowa, health place is #59 of 66 on the same NCUA-ratio sort used nationally.
- By total assets, UNITE is #49 of 66 in Iowa.
- Iowa membership ordinal: #49 of 66.
- One place up in Iowa, Holy Ghost Parish (#58) scores 68/100, 1 point higher; one place down, GREENSTATE (#60) scores 63/100, 4 points lower.
UNITE Call Report trajectory
UNITE: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.4% from $22.7M (2025Q4) to $23.5M (2026Q1).
- Net-worth ratio shifted -0.74 pp (12.40% → 11.66%).
At 11.66%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 67/100 score is built
UNITE gives up 33 points in total. Return on Assets costs the most, 11.1 of its 15; Net Worth Ratio scores full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 15.6 pts
- Return on Assets 3.9 pts
- Member Growth 6.9 pts
- Loan-to-Share Ratio 10.6 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.66% | -3.20 pp |
| Delinquency Rate | 1.59% | +0.44 pp |
| Return on Assets | -0.07% | -0.77 pp |
| Member Growth | -1.19% | - |
| Loan-to-Share Ratio | 49.06% | -10.74 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
UNITE quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $23.5M | - |
| 2025Q4 | $22.7M | 1,575 |
| 2024Q4 | $21.6M | 1,594 |
| 2023Q4 | $22.8M | 1,637 |
Credit Union Details
- Charter Number
- 65071
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Iowa
- City
- Cedar Falls
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for UNITE.
| Office | City |
|---|---|
| Unite Credit Union (Main Office) | Cedar Falls, IA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Iowa
More federally-insured credit unions based in Iowa, ordered by peer group match and asset size.
Nationwide credit unions with similar profiles
Using this data
- UNITE ranks #3,766 of 4,374 nationally on financial health and #59 of 66 in IA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Family Community is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Family Community
Frequently Asked Questions
Is UNITE financially healthy?
On its 2025Q4 NCUA 5300 filing, UNITE scores 67/100 (Good), with a 11.66% net worth ratio and 1.59% of loans delinquent. It ranks #3,766 of 4,374 nationally on health and #59 of 66 in Iowa.
How does UNITE compare to other credit unions?
UNITE scores 67/100, higher than 13% of the 4,374 scored credit unions. Its widest shortfall is loan-to-share ratio (49.06% vs 59.80%).
How can I join UNITE?
Membership eligibility for UNITE depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact UNITE directly for current membership requirements and application steps.
Is my money safe at UNITE?
UNITE is a state-chartered 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. UNITE's net worth ratio of 11.66% 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.