Federal credit union · Plainville, Connecticut · NCUA charter #7244
United Business & Industry
Health score 94/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 94
- Health / 100
- $140.2M
- Total assets
- 11,370
- Members
- 11.4%
- Net-worth ratio
United Business & Industry scores 94/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $140.2M; members 11,370; net-worth ratio 11.40%; health rank #523 of 4,374; healthier than 87th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#523 of 4,374 health · 2025Q4United Business & Industry · health 94/100 · $140.2M · 2025Q4
- MEM 94/100
- RANK 11.4%
- PHOTO 0.11%
- BOOK 0.99%
- CHARTER $140.2M
- NCUSIF 11,370
- CAMELS #523/4,374
- HEALTH Members Exchange
- NW 7244
Call Report peers
United Business & Industry in the assets neighbourhood
United Business & Industry's $140.2M assets sit next to Members Exchange ($140.2M) 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 Business & Industry 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
94 Top 13% higher than 87% 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 Business & Industry - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #7244 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
United Business & Industry: Call Report deltas vs peers
- Largest favorable gap: Loan-to-Share Ratio at 95.34% vs peer 72.20% (+23.14 pp).
- Widest shortfall vs peers is Net Worth Ratio: -0.71 pp (11.40% vs 12.11%).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
United Business & Industry in Connecticut
- In Connecticut, health place is #6 of 64 on the same NCUA-ratio sort used nationally.
- Assets rank #17 of 64 inside Connecticut ($140.2M reported).
- Membership ranks #17 of 64 among Connecticut CUs with a reported count (11,370 members).
In-state ordinals use the live credit_unions table for CT only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
United Business & Industry: 2025Q4 → 2026Q1
United Business & Industry: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.3% from $140.2M (2025Q4) to $143.4M (2026Q1).
- Net-worth ratio shifted +0.17 pp (11.23% → 11.40%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 11.40% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 94/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 94.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 11.9 pts
- Loan-to-Share Ratio 12.1 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.40% | -0.71 pp |
| Delinquency Rate | 0.11% | -0.79 pp |
| Return on Assets | 0.99% | +0.37 pp |
| Member Growth | 2.40% | - |
| Loan-to-Share Ratio | 95.34% | +23.14 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).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $143.4M | - |
| 2025Q4 | $140.2M | 11,370 |
| 2024Q4 | $133.4M | 11,103 |
| 2023Q4 | $127.0M | 11,008 |
Credit Union Details
- Charter Number
- 7244
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Connecticut
- City
- Plainville
- Data Quarter
- 2025Q4
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for United Business & Industry, spread across 2 cities.
| Office | City |
|---|---|
| United Business & Industry FCU (Main Office) | Plainville, CT |
| United Business & Industry FCU | Bristol, CT |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Connecticut
A look at other Connecticut credit unions, ranked by how closely their peer group and asset size match this one.
Cross-state Call Report peers for United Business & Industry
Two NCUA Call Report peer sets for United Business & Industry, both outside Connecticut 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 ($140.2M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (94/100 here).
Using this data
- United Business & Industry ranks #523 of 4,374 nationally on financial health and #6 of 64 in CT -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- FINEX is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with FINEX
- Rates and health both vary by institution, not just by state -- see how Connecticut credit unions compare overall before assuming this one is typical. Connecticut 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 Business & Industry financially healthy?
United Business & Industry has a financial health score of 94/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #523 of 4,374; by total assets it ranks #1,541 of 4,374 nationally (same basis as /rankings/largest); and #17 of 64 within Connecticut. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 11.40% and delinquency rate of 0.11%.
How does United Business & Industry compare to other credit unions?
United Business & Industry scores 94/100 on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), and 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 Business & Industry?
United Business & Industry 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 Business & Industry directly for the exact boundaries and application steps.
Is my money safe at United Business & Industry?
Federal credit unions like United Business & Industry 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 Business & Industry's net worth ratio of 11.40% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does United Business & Industry offer compared to banks?
Credit unions like United Business & Industry 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 Business & Industry 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.