State credit union · Tyler, Texas · NCUA charter #67587
UNITED
Health score 65/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 65
- Health / 100
- $30.1M
- Total assets
- 2,086
- Members
- 7.0%
- Net-worth ratio
UNITED scores 65/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $30.1M; members 2,086; net-worth ratio 6.98%; health rank #3,896 of 4,374; healthier than 11th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#3,896 of 4,374 health · 2025Q4UNITED · health 65/100 · $30.1M · 2025Q4
- NW 65/100
- DELQ 7.0%
- ROA 1.36%
- ASSETS 0.28%
- MEM $30.1M
- RANK 2,086
- PHOTO #3,896/4,374
- BOOK Mcu Financial Center
- CHARTER 67587
Call Report peers
UNITED in the assets neighbourhood
UNITED's $30.1M assets sit next to Mcu Financial Center ($30.1M) 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
65 11th percentile higher than 11% 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
The 2025Q4 NCUA Call Report puts charter #67587 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Where UNITED diverges from peer averages
- Largest favorable gap: Loan-to-Share Ratio at 65.17% vs peer 59.80% (+5.37 pp).
- Net Worth Ratio trails the peer set - 6.98% here, 14.86% peer average (-7.88 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Texas standing for UNITED
- Texas health ordinal: #340 of 386.
- Assets rank #224 of 386 inside Texas ($30.1M reported).
- Texas membership ordinal: #252 of 386.
In-state ordinals use the live credit_unions table for TX 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 -0.5% from $30.1M (2025Q4) to $30.0M (2026Q1).
- Net-worth ratio shifted -1.22 pp (8.20% → 6.98%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This institution's 6.98% net worth ratio sits below the NCUA's 7.0% well-capitalized threshold.
How the 65/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 65.
- Net Worth Ratio 22.4 pts
- Delinquency Rate 17.3 pts
- Return on Assets 11.7 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 13.6 pts
UNITED vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 6.98% | -7.88 pp |
| Delinquency Rate | 1.36% | +0.22 pp |
| Return on Assets | 0.28% | -0.43 pp |
| Member Growth | -6.62% | - |
| Loan-to-Share Ratio | 65.17% | +5.37 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Call Report history - UNITED
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $30.0M | - |
| 2025Q4 | $30.1M | 2,086 |
| 2024Q4 | $28.2M | 2,234 |
| 2023Q4 | $30.0M | 2,250 |
Credit Union Details
- Charter Number
- 67587
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Texas
- City
- Tyler
- Data Quarter
- 2025Q4
Branch Location
UNITED operates a single office in Tyler, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| United Credit Union (Main Office) | Tyler, TX |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Texas
More federally-insured credit unions based in Texas, ordered by peer group match and asset size.
Cross-state Call Report peers for UNITED
UNITED's nationwide photo peers by assets and by health score, excluding Texas charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($30.1M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (65/100 here).
Using this data
- UNITED ranks #3,896 of 4,374 nationally on financial health and #340 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Texas Community is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Texas Community
- Rates and health both vary by institution, not just by state -- see how Texas credit unions compare overall before assuming this one is typical. Texas 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 65/100 (Good) - 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 #3,896 of 4,374; by total assets it ranks #2,850 of 4,374 nationally (same basis as /rankings/largest); and #224 of 386 within Texas. Above 80 reads excellent, below 50 warrants closer monitoring; a 6.98% net worth ratio and 1.36% delinquency rate are the key drivers.
How does UNITED compare to other credit unions?
Five weighted metrics from NCUA filings produce UNITED's 65/100 score on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), loan-to-share ratio (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 6.98% is relative to 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.