State credit union · Mexico, Missouri · NCUA charter #63597
UNITED
Health score 95/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 95
- Health / 100
- $293.0M
- Total assets
- 28,440
- Members
- 14.7%
- Net-worth ratio
UNITED scores 95/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $293.0M; members 28,440; net-worth ratio 14.73%; health rank #344 of 4,374; healthier than 90th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#344 of 4,374 health · 2025Q4UNITED · health 95/100 · $293.0M · 2025Q4
- DELQ 95/100
- ROA 14.7%
- ASSETS 0.41%
- MEM 1.51%
- RANK $293.0M
- PHOTO 28,440
- BOOK #344/4,374
- CHARTER ALLTRUST
- NCUSIF 63597
UNITED in the assets neighbourhood
UNITED's $293.0M assets sit next to ALLTRUST ($293.5M) 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
95 Top 10% higher than 90% 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
Charter #63597's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Peer-gap read for UNITED
- Loan-to-Share Ratio leads the peer set - 74.99% here, 72.20% peer average (+2.79 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where UNITED sits in Missouri
- Health composite ranks #14 of 89 among scored Missouri credit unions.
- Missouri assets place: #17 of 89.
- Missouri membership ordinal: #12 of 89.
In-state ordinals use the live credit_unions table for MO 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 +3.6% from $293.0M (2025Q4) to $303.7M (2026Q1).
- Net-worth ratio shifted -0.30 pp (15.03% → 14.73%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
14.73% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 95/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 95.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 10.4 pts
- Loan-to-Share Ratio 14.6 pts
UNITED vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 14.73% | +2.62 pp |
| Delinquency Rate | 0.41% | -0.48 pp |
| Return on Assets | 1.51% | +0.89 pp |
| Member Growth | 1.16% | - |
| Loan-to-Share Ratio | 74.99% | +2.79 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
UNITED filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $303.7M | - |
| 2025Q4 | $293.0M | 28,440 |
| 2024Q4 | $277.5M | 28,114 |
| 2023Q4 | $273.0M | 28,094 |
Credit Union Details
- Charter Number
- 63597
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Missouri
- City
- Mexico
- Data Quarter
- 2025Q4
Branch Locations (9)
The NCUA branch filing lists 9 physical offices for UNITED, spread across 7 cities in 2 states.
| Office | City |
|---|---|
| Operations (Main Office) | Mexico, MO |
| Columbia Branch | Columbia, MO |
| Fulton Branch | Fulton, MO |
| Fiserv | Glastonbury, CT |
| Liberty Branch | Mexico, MO |
| 2401 Lakeview Road / Administrative Offices (NEW) | Mexico, MO |
| Moberly Branch | Moberly, MO |
| Troy Branch | Troy, MO |
| Vandalia Branch | Vandalia, MO |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Missouri
More federally-insured credit unions based in Missouri, ordered by peer group match and asset size.
Cross-state Call Report peers for UNITED
Two NCUA Call Report peer sets for UNITED, both outside Missouri so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($293.0M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (95/100 here).
Using this data
- UNITED ranks #344 of 4,374 nationally on financial health and #14 of 89 in MO -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- TELCOMM is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with TELCOMM
- Rates and health both vary by institution, not just by state -- see how Missouri credit unions compare overall before assuming this one is typical. Missouri 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?
A 14.73% net worth ratio and a 0.41% delinquency rate feed into UNITED's financial health score of 95/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #344 of 4,374; by total assets it ranks #1,048 of 4,374 nationally (same basis as /rankings/largest); and #17 of 89 within Missouri. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does UNITED compare to other credit unions?
95/100 is UNITED's score on PlainCU's health composite, compared to a peer group average for $100M–$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?
Membership eligibility for UNITED depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact UNITED directly for current membership requirements 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 14.73% 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.