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
Call Report peers
United Community in the assets neighbourhood
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
United Community sits in the busiest band, 85-89, alongside 857 other credit unions.
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
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).
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).
- One place up in Texas, Wichita Falls Teachers (#180) ties at 85/100; one place down, WACO (#182) ties at 85/100.
United Community Call Report trajectory
United Community: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.9% from $124.6M (2025Q4) to $127.0M (2026Q1).
- Net-worth ratio shifted +0.01 pp (11.88% → 11.89%).
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
United Community gives up 15 points in total. Delinquency Rate costs the most, 8 of its 25; Net Worth Ratio and Return on Assets and Loan-to-Share Ratio score full marks.
- 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 |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is United Community financially healthy?
On its 2025Q4 NCUA 5300 filing, United Community scores 85/100 (Excellent), with a 11.89% net worth ratio and 1.40% of loans delinquent. It ranks #1,973 of 4,374 nationally on health and #181 of 386 in Texas.
How does United Community compare to other credit unions?
United Community scores 85/100, higher than 54% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (83.62% vs 72.20%). Its widest shortfall is delinquency rate (1.40% vs 0.89%).
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?
United Community 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 Community's net worth ratio of 11.89% 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.