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.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#3,766 of 4,374 health · 2025Q4UNITE · health 67/100 · $22.7M · 2025Q4
- CAMELS 67/100
- HEALTH 11.7%
- NW 1.59%
- DELQ -0.07%
- ROA $22.7M
- ASSETS 1,575
- MEM #3,766/4,374
- RANK Elite Community
- PHOTO 65071
Call Report peers
UNITE in the assets neighbourhood
UNITE's $22.7M assets sit next to Elite Community ($22.7M) 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.
UNITE 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
67 13th percentile higher than 13% 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
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.
Where UNITE diverges from peer averages
- Widest shortfall vs peers is Loan-to-Share Ratio: -10.74 pp (49.06% vs 59.80%).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for IA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
UNITE Call Report trajectory
UNITE: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.4% from $22.7M (2025Q4) to $23.5M (2026Q1).
- Net-worth ratio shifted -0.74 pp (12.40% → 11.66%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 67.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
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
UNITE's nationwide photo peers by assets and by health score, excluding Iowa charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($22.7M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (67/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Iowa credit unions compare overall before assuming this one is typical. Iowa 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 UNITE financially healthy?
A 11.66% net worth ratio and a 1.59% delinquency rate feed into UNITE's financial health score of 67/100 (Good), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,766 of 4,374; by total assets it ranks #3,064 of 4,374 nationally (same basis as /rankings/largest); and #49 of 66 within Iowa. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does UNITE compare to other credit unions?
UNITE scores 67/100 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 11.66% 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.
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.