Federal credit union · St Joseph, Michigan · NCUA charter #6288
UNITED
Health score 88/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 88
- Health / 100
- $4.24B
- Total assets
- 190,227
- Members
- 11.6%
- Net-worth ratio
UNITED scores 88/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $4.24B; members 190,227; net-worth ratio 11.64%; health rank #1,461 of 4,374; healthier than 65th of scored peers.
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NCUA 5300 Call Report Masthead
#1,461 of 4,374 health · 2025Q4UNITED · health 88/100 · $4.24B · 2025Q4
Call Report peers
UNITED in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
UNITED vs every NCUA-scored credit union
UNITED sits in the busiest band, 85-89, alongside 857 other credit unions.
88 Top 35% higher than 65% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Peer-gap read for UNITED
- Largest favorable gap: Loan-to-Share Ratio at 90.90% vs peer 83.90% (+7.00 pp).
Where UNITED sits in Michigan
- Michigan health ordinal: #68 of 171.
- Michigan assets place: #6 of 171.
- Member book place in Michigan: #6 of 171.
- One place up in Michigan, River Valley (#67) ties at 88/100; one place down, Family Financial (#69) ties at 88/100.
Quarter path for UNITED
UNITED: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.8% from $4.24B (2025Q4) to $4.40B (2026Q1).
- Net-worth ratio shifted -0.05 pp (11.69% → 11.64%).
This credit union's 11.64% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 88/100 score is built
UNITED gives up 12 points in total. Member Growth costs the most, 7.9 of its 15; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 21.4 pts
- Return on Assets 15.0 pts
- Member Growth 7.1 pts
- Loan-to-Share Ratio 14.5 pts
UNITED health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.64% | +0.46 pp |
| Delinquency Rate | 0.86% | -0.02 pp |
| Return on Assets | 0.60% | +0.09 pp |
| Member Growth | -1.05% | - |
| Loan-to-Share Ratio | 90.90% | +7.00 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
UNITED filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $4.40B | - |
| 2025Q4 | $4.24B | 190,227 |
| 2024Q4 | $4.17B | 192,242 |
| 2023Q4 | $3.85B | 184,950 |
Credit Union Details
- Charter Number
- 6288
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Over $500M
- State
- Michigan
- City
- St Joseph
- Data Quarter
- 2025Q4
Branch Locations (44)
Per its most recent NCUA branch filing, UNITED runs 44 offices in 32 different cities across 7 states.
| Office | City |
|---|---|
| Team United HQ - Hilltop (Main Office) | Saint Joseph, MI |
| Allentown - Branch 52 | Allentown, PA |
| Asheville - Branch 24 | Asheville, NC |
| Battle Creek - Branch 49 | Battle Creek, MI |
| Benton Harbor - Branch 4 | Benton Harbor, MI |
| Berrien Springs - Branch 6 | Berrien Springs, MI |
| Bridgman - Branch 43 | Bridgman, MI |
| Buchanan - Branch 9 | Buchanan, MI |
| Carson City North - Branch 26 | Carson City, NV |
| Carson City South - Branch 32 | Carson City, NV |
| Coloma - Branch 44 | Coloma, MI |
| Fernley - Branch 51 | Fernley, NV |
| Flat Rock Loan Office | Flat Rock, NC |
| Fletcher - Branch 10 | Fletcher, NC |
| Jenny Lind - Branch 1 | Fort Smith, AR |
| Rogers Avenue - Branch 2 | Fort Smith, AR |
| Grand Rapids Beltline Mortgage Office | Grand Rapids, MI |
| Toscana Park - Branch 38 | Granger, IN |
| Hendersonville - Branch 33 | Hendersonville, NC |
| Hendersonville South - Branch 40 | Hendersonville, NC |
| Holland North - Branch 11 | Holland, MI |
| Holland South - Branch 12 | Holland, MI |
| Marion - Branch 13 | Marion, OH |
| Minden - Branch 50 | Minden, NV |
| Edison Lakes - Branch 34 | Mishawaka, IN |
| New Buffalo Loan Office | New Buffalo, MI |
| Niles North - Branch 7 | Niles, MI |
| Niles South - Branch 8 | Niles, MI |
| Kalamazoo Mortgage Office | Portage, MI |
| Northwest - Branch 17 | Reno, NV |
| Double R - Branch 16 | Reno, NV |
| Bible Way - Branch 15 | Reno, NV |
| Summit - Branch 27 | Reno, NV |
| Promenade - Branch 39 | Rogers, AR |
| State Street St Joseph - Branch 22 | Saint Joseph, MI |
| St Joseph Loan Office | Saint Joseph, MI |
| Ireland Road - Branch 36 | South Bend, IN |
| Sparks - Branch 18 | Sparks, NV |
| Spanish Springs - Branch 31 | Sparks, NV |
| Har-Ber Meadows - Branch 41 | Springdale, AR |
| S Thompson - Branch 46 | Springdale, AR |
| Statesville - Branch 21 | Statesville, NC |
| Stevensville - Branch 5 | Stevensville, MI |
| Van Buren - Branch 3 | Van Buren, AR |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Michigan
Other federally-insured credit unions in Michigan, closest first by peer group and asset size.
UNITED nationwide neighbourhoods
Similar total assets
Similar health score
Using this data
- UNITED ranks #1,461 of 4,374 nationally on financial health and #68 of 171 in MI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Michigan Schools and Government is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Michigan Schools and Government
Frequently Asked Questions
Is UNITED financially healthy?
On its 2025Q4 NCUA 5300 filing, UNITED scores 88/100 (Excellent), with a 11.64% net worth ratio and 0.86% of loans delinquent. It ranks #1,461 of 4,374 nationally on health and #68 of 171 in Michigan.
How does UNITED compare to other credit unions?
UNITED scores 88/100, higher than 65% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (90.90% vs 83.90%).
How can I join UNITED?
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 UNITED directly for the exact boundaries and application steps.
Is my money safe at UNITED?
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. UNITED's net worth ratio of 11.64% 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.