State credit union · Houston, Texas · NCUA charter #68369
United Community
Health score 85/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 85
- Health / 100
- $124.6M
- Total assets
- 13,531
- Members
- 11.9%
- Net-worth ratio
United Community scores 85/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $124.6M; members 13,531; net-worth ratio 11.89%; health rank #1,973 of 4,374; healthier than 54th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#1,973 of 4,374 health · 2025Q4United Community · health 85/100 · $124.6M · 2025Q4
- MEM 85/100
- RANK 11.9%
- PHOTO 1.40%
- BOOK 0.67%
- CHARTER $124.6M
- NCUSIF 13,531
- CAMELS #1,973/4,374
- HEALTH TRUENERGY
- NW 68369
Call Report peers
United Community in the assets neighbourhood
United Community's $124.6M assets sit next to TRUENERGY ($124.7M) 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
85 Top 46% higher than 54% 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
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #68369. See our deposit-insurance coverage note.
Peer-gap read for United Community
- Largest favorable gap: Loan-to-Share Ratio at 83.62% vs peer 72.20% (+11.42 pp).
- Largest lag: Delinquency Rate at 1.40% vs peer 0.89% (+0.51 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 Texas
- Texas health ordinal: #181 of 386.
- By total assets, United Community is #132 of 386 in Texas.
- Membership ranks #106 of 386 among Texas CUs with a reported count (13,531 members).
In-state ordinals use the live credit_unions table for TX 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 +1.9% from $124.6M (2025Q4) to $127.0M (2026Q1).
- Net-worth ratio shifted +0.01 pp (11.88% → 11.89%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 11.89% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 85/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 85.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 17.0 pts
- Return on Assets 15.0 pts
- Member Growth 7.6 pts
- Loan-to-Share Ratio 15.4 pts
United Community health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.89% | -0.22 pp |
| Delinquency Rate | 1.40% | +0.51 pp |
| Return on Assets | 0.67% | +0.05 pp |
| Member Growth | -0.79% | - |
| Loan-to-Share Ratio | 83.62% | +11.42 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 | $127.0M | - |
| 2025Q4 | $124.6M | 13,531 |
| 2024Q4 | $124.1M | 13,639 |
| 2023Q4 | $122.1M | 12,650 |
Credit Union Details
- Charter Number
- 68369
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Texas
- City
- Houston
- Data Quarter
- 2025Q4
Branch Locations (4)
The NCUA branch filing lists 4 physical offices for United Community, spread across 3 cities.
| Office | City |
|---|---|
| Summerwood Financial Center (Main Office) | Houston, TX |
| Crosby Financial Center | Crosby, TX |
| Galena Park Financial Center | Galena Park, TX |
| Normandy Financial Center | Houston, 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 Community
United Community's nationwide photo peers by assets and by health score, excluding Texas charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($124.6M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (85/100 here).
Using this data
- United Community ranks #1,973 of 4,374 nationally on financial health and #181 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- One Source is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with One Source
- 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 Community financially healthy?
Yes/no aside, the number is 85/100 (Excellent) - United Community'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 #1,973 of 4,374; by total assets it ranks #1,645 of 4,374 nationally (same basis as /rankings/largest); and #132 of 386 within Texas. Above 80 reads excellent, below 50 warrants closer monitoring; a 11.89% net worth ratio and 1.40% delinquency rate are the key drivers.
How does United Community compare to other credit unions?
85/100 is United Community's score on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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?
Membership eligibility for United Community depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact United Community directly for current membership requirements 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 11.89% 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.