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
Call Report peers
UNITED in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); UNITED sits in 65-69 with 275 others.
65 11th percentile higher than 11% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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).
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.
- One place up in Texas, Credit Human (#339) ties at 65/100; one place down, LIFETIME (#341) scores 64/100, 1 point lower.
Quarter path for UNITED
UNITED: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -0.5% from $30.1M (2025Q4) to $30.0M (2026Q1).
- Net-worth ratio shifted -1.22 pp (8.20% → 6.98%).
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
UNITED gives up 35 points in total. Member Growth costs the most, 15 of its 15; Loan-to-Share Ratio loses the least, 1.1.
- 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 |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
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
Similar total assets
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
Frequently Asked Questions
Is UNITED financially healthy?
On its 2025Q4 NCUA 5300 filing, UNITED scores 65/100 (Good), with a 6.98% net worth ratio and 1.36% of loans delinquent. It ranks #3,896 of 4,374 nationally on health and #340 of 386 in Texas.
How does UNITED compare to other credit unions?
UNITED scores 65/100, higher than 11% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (65.17% vs 59.80%). Its widest shortfall is net worth ratio (6.98% vs 14.86%).
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 6.98% is relative to 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.