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
Call Report peers
United Business & Industry in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); United Business & Industry sits in 90-94 with 747 others.
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: 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%).
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).
- One place up in Connecticut, Waterbury Connecticut Teachers (#5) ties at 94/100; one place down, Dutch Point (#7) scores 93/100, 1 point lower.
United Business & Industry: 2025Q4 → 2026Q1
United Business & Industry: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.3% from $140.2M (2025Q4) to $143.4M (2026Q1).
- Net-worth ratio shifted +0.17 pp (11.23% → 11.40%).
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
United Business & Industry gives up 6 points in total. Member Growth costs the most, 3.1 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- 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 |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is United Business & Industry financially healthy?
On its 2025Q4 NCUA 5300 filing, United Business & Industry scores 94/100 (Excellent), with a 11.40% net worth ratio and 0.11% of loans delinquent. It ranks #523 of 4,374 nationally on health and #6 of 64 in Connecticut.
How does United Business & Industry compare to other credit unions?
United Business & Industry scores 94/100, higher than 87% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (95.34% vs 72.20%). Its widest shortfall is net worth ratio (11.40% vs 12.11%).
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?
United Business & Industry is a federal 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 Business & Industry's net worth ratio of 11.40% 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.