UNITED

UNITED is a federal credit union headquartered in St Joseph, Michigan, serving 190,227 members with $4.24B in total assets and $3.17B in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 67/100 (Good), anchored by a net worth ratio of 11.69% — above the 7.0% threshold the NCUA uses to classify a credit union as "well capitalized" under Prompt Corrective Action rules. Charter #6288 operates under peer group Over $500M, a cohort of 749 similarly-sized institutions.

Loan book quality and earnings power round out the picture. The delinquency rate of 0.86% measures loans 60+ days past due against total loans outstanding — the peer group average for Over $500M credit unions sits at 0.874%, so this institution is running tighter than peers. Return on assets comes in at 0.00%, reflecting the not-for-profit cooperative model where surplus earnings flow back to members as better rates and lower fees rather than to shareholders. The loan-to-share ratio of 90.90% indicates how aggressively member deposits are being deployed into lending, above the 80% band that can indicate tighter liquidity management.

Every deposit account at UNITED is federally insured by the National Credit Union Share Insurance Fund (NCUSIF) up to $250,000 per depositor, per ownership category — identical coverage to FDIC insurance at banks. Year-over-year membership changed by -1.05%, and the institution reports against the NCUA 5300 Call Report on a quarterly cadence, so the figures above reflect the 2025Q4 reporting period. This page is informational only and is not a recommendation, solicitation, or financial advice; credit union performance can change materially quarter to quarter, membership eligibility depends on the stated field of membership (currently: Community), and current deposit and loan rates should be verified directly with UNITED before opening any account or borrowing.