State credit union · Cedar Falls, Iowa · NCUA charter #65071
Unite
Health score 62/100 (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 62
- Health / 100
- $22.7M
- Total assets
- 1,575
- Members
- 8.0%
- Net-worth ratio
Unite - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #65071. See our deposit-insurance coverage note.
Unite - Five Health Pillars
This credit union's pillar breakdown: five 0-100 sub-scores below, which weight-and-sum to the headline health score above. Same underlying NCUA 5300 figures throughout, no normalisation tricks.
- Capital (net worth ratio)84
- Asset quality (delinquency)62
- Earnings (ROA)26
- Member growth46
- Liquidity (loan-to-share)69
Weighted composite: 62/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 8.05%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 8.05% | 30% |
| Delinquency Rate | 1.59% | 25% |
| Return on Assets | -0.07% | 15% |
| Member Growth | -1.19% | 15% |
| Loan-to-Share Ratio | 49.06% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Unite
Headquartered in Cedar Falls, Iowa, Unite is a state credit union with 1,575 members, $22.7M in total assets, and $9.7M in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 62/100 (Good), driven in part by a net worth ratio of 8.05% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #65071 and reports within peer group $10M–$50M, a cohort of 1163 similarly-sized institutions.
Deposits deployed into lending sit at a 49.06% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Loan quality, meanwhile, shows 1.59% of the book 60+ days past due - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running looser than peers. Return on assets stands at -0.07% on net income of $-15163 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 -1.19%. The quarterly NCUA 5300 Call Report is the source for everything above, current through 2025Q4. Field of membership (currently: Other) decides eligibility to join. NCUSIF deposit-insurance coverage and usage guidance for this data live on our disclaimer page.
Nearby Credit Unions in Iowa
More federally-insured credit unions based in Iowa, ordered by peer group match and asset size.
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 Unite financially healthy?
A 8.05% net worth ratio and a 1.59% delinquency rate feed into Unite's financial health score of 62/100 (Good), from NCUA 5300 Call Report data as of Q4 2025. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Unite compare to other credit unions?
Unite scores 62/100 on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), and 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 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?
Federal credit unions like Unite 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. Unite's net worth ratio of 8.05% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Unite offer compared to banks?
Credit unions like Unite 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 Unite 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.