Federal credit union · West Mifflin, Pennsylvania · NCUA charter #7415
United Community
Health score 80/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 80
- Health / 100
- $125.9M
- Total assets
- 8,524
- Members
- 13.0%
- Net-worth ratio
United Community scores 80/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $125.9M; members 8,524; net-worth ratio 12.98%; health rank #2,728 of 4,374; healthier than 36th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#2,728 of 4,374 health · 2025Q4United Community · health 80/100 · $125.9M · 2025Q4
- ROA 80/100
- ASSETS 13.0%
- MEM 0.17%
- RANK 0.83%
- PHOTO $125.9M
- BOOK 8,524
- CHARTER #2,728/4,374
- NCUSIF COCONINO
- CAMELS 7415
Call Report peers
United Community in the assets neighbourhood
United Community's $125.9M assets sit next to COCONINO ($125.9M) 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 Community 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
80 36th percentile higher than 36% 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 Community - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #7415, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Peer-gap read for United Community
- Strongest edge vs 1069 $100M–$500M peers is Net Worth Ratio: +0.87 pp (12.98% vs 12.11%).
- Largest lag: Loan-to-Share Ratio at 42.38% vs peer 72.20% (-29.82 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where United Community sits in Pennsylvania
- Pennsylvania health ordinal: #153 of 275.
- By total assets, United Community is #73 of 275 in Pennsylvania.
- Membership ranks #78 of 275 among Pennsylvania CUs with a reported count (8,524 members).
In-state ordinals use the live credit_unions table for PA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
United Community Call Report trajectory
United Community: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.4% from $125.9M (2025Q4) to $127.7M (2026Q1).
- Net-worth ratio shifted +0.14 pp (12.84% → 12.98%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 12.98% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 80/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 80.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 10.0 pts
United Community health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.98% | +0.87 pp |
| Delinquency Rate | 0.17% | -0.72 pp |
| Return on Assets | 0.83% | +0.21 pp |
| Member Growth | -6.36% | - |
| Loan-to-Share Ratio | 42.38% | -29.82 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).
United Community filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $127.7M | - |
| 2025Q4 | $125.9M | 8,524 |
| 2024Q4 | $120.7M | 9,103 |
| 2023Q4 | $124.2M | 9,605 |
Credit Union Details
- Charter Number
- 7415
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Pennsylvania
- City
- West Mifflin
- Data Quarter
- 2025Q4
Branch Locations (3)
United Community operates 3 offices across 3 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Main Office (Main Office) | West Mifflin, PA |
| Washington Branch | Washington, PA |
| Wilmerding Office | Wilmerding, PA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Pennsylvania
A look at other Pennsylvania credit unions, ranked by how closely their peer group and asset size match this one.
Other-state peers near United Community
Cross-state asset and health neighbours for United Community - kept outside Pennsylvania; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($125.9M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (80/100 here).
Using this data
- United Community ranks #2,728 of 4,374 nationally on financial health and #153 of 275 in PA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Choice One Community is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Choice One Community
- Rates and health both vary by institution, not just by state -- see how Pennsylvania credit unions compare overall before assuming this one is typical. Pennsylvania 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 Community financially healthy?
A 12.98% net worth ratio and a 0.17% delinquency rate feed into United Community's financial health score of 80/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,728 of 4,374; by total assets it ranks #1,635 of 4,374 nationally (same basis as /rankings/largest); and #73 of 275 within Pennsylvania. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does United Community compare to other credit unions?
Five weighted metrics from NCUA filings produce United Community's 80/100 score on PlainCU's health composite, compared to a peer group average for $100M–$500M 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 Community?
United Community 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 Community directly for the exact boundaries and application steps.
Is my money safe at United Community?
Federal credit unions like United Community 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 Community's net worth ratio of 12.98% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does United Community offer compared to banks?
Credit unions like United Community 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 Community 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.