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
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UNITED vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); UNITED sits in 95-99 with 391 others.
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
Peer-gap read for UNITED
- Loan-to-Share Ratio leads the peer set - 74.99% here, 72.20% peer average (+2.79 pp).
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.
- One place up in Missouri, GOETZ (#13) ties at 95/100; one place down, COLUMBIA (#15) ties at 95/100.
Quarter path for UNITED
UNITED: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.6% from $293.0M (2025Q4) to $303.7M (2026Q1).
- Net-worth ratio shifted -0.30 pp (15.03% → 14.73%).
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
UNITED gives up 5 points in total. Member Growth costs the most, 4.6 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets and Loan-to-Share Ratio score full marks.
- 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 |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is UNITED financially healthy?
UNITED has a financial health score of 95/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #344 of 4,374 nationally on health and #14 of 89 in Missouri. Its net worth ratio is 14.73% and its delinquency rate 0.41%.
How does UNITED compare to other credit unions?
UNITED scores 95/100, higher than 90% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (74.99% vs 72.20%).
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?
UNITED is a state-chartered 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 14.73% 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.