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.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#1,461 of 4,374 health · 2025Q4UNITED · health 88/100 · $4.24B · 2025Q4
- PHOTO 88/100
- BOOK 11.6%
- CHARTER 0.86%
- NCUSIF 0.60%
- CAMELS $4.24B
- HEALTH 190,227
- NW #1,461/4,374
- DELQ General Electric
- ROA 6288
Call Report peers
UNITED in the assets neighbourhood
UNITED's $4.24B assets sit next to General Electric ($4.23B) 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.
UNITED 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
88 Top 35% higher than 65% 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
UNITED - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #6288, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Peer-gap read for UNITED
- Largest favorable gap: Loan-to-Share Ratio at 90.90% vs peer 83.90% (+7.00 pp).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for MI only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for UNITED
UNITED: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.8% from $4.24B (2025Q4) to $4.40B (2026Q1).
- Net-worth ratio shifted -0.05 pp (11.69% → 11.64%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 88.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
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
Cross-state asset and health neighbours for UNITED - kept outside Michigan; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($4.24B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (88/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Michigan credit unions compare overall before assuming this one is typical. Michigan 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 UNITED financially healthy?
Yes/no aside, the number is 88/100 (Excellent) - UNITED's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,461 of 4,374; by total assets it ranks #116 of 4,374 nationally (same basis as /rankings/largest); and #6 of 171 within Michigan. Above 80 reads excellent, below 50 warrants closer monitoring; a 11.64% net worth ratio and 0.86% delinquency rate are the key drivers.
How does UNITED compare to other credit unions?
88/100 is UNITED's score on PlainCU's health composite, compared to a peer group average for Over $500M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 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?
Federal credit unions like UNITED 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. UNITED's net worth ratio of 11.64% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does UNITED offer compared to banks?
Credit unions like UNITED 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 UNITED 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.