State credit union · INDEPENDENCE, Missouri · NCUA charter #68410
United Consumers
Health score 85/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 85
- Health / 100
- $211.7M
- Total assets
- 16,704
- Members
- 11.8%
- Net-worth ratio
United Consumers scores 85/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $211.7M; members 16,704; net-worth ratio 11.78%; health rank #1,978 of 4,374; healthier than 54th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#1,978 of 4,374 health · 2025Q4United Consumers · health 85/100 · $211.7M · 2025Q4
Call Report peers
United Consumers in the assets neighbourhood
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United Consumers vs every NCUA-scored credit union
United Consumers 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 Consumers
- Strongest edge vs 1069 $100M–$500M peers is Loan-to-Share Ratio: +11.97 pp (84.17% vs 72.20%).
- Widest shortfall vs peers is Net Worth Ratio: -0.33 pp (11.78% vs 12.11%).
United Consumers: in-state Call Report ranks
- Missouri health ordinal: #44 of 89.
- By total assets, United Consumers is #18 of 89 in Missouri.
- Membership ranks #18 of 89 among Missouri CUs with a reported count (16,704 members).
- One place up in Missouri, TOGETHER (#43) scores 86/100, 1 point higher; one place down, Central Missouri Community (#45) ties at 85/100.
United Consumers: 2025Q4 → 2026Q1
United Consumers: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.2% from $211.7M (2025Q4) to $216.5M (2026Q1).
- Net-worth ratio shifted +0.05 pp (11.73% → 11.78%).
11.78% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 85/100 score is built
United Consumers gives up 15 points in total. Member Growth costs the most, 11.8 of its 15; Net Worth Ratio and Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 21.5 pts
- Return on Assets 15.0 pts
- Member Growth 3.2 pts
- Loan-to-Share Ratio 15.3 pts
United Consumers vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.78% | -0.33 pp |
| Delinquency Rate | 0.85% | -0.04 pp |
| Return on Assets | 0.68% | +0.05 pp |
| Member Growth | -3.22% | - |
| Loan-to-Share Ratio | 84.17% | +11.97 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Call Report history - United Consumers
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $216.5M | - |
| 2025Q4 | $211.7M | 16,704 |
| 2024Q4 | $201.6M | 17,259 |
| 2023Q4 | $199.0M | 17,466 |
Credit Union Details
- Charter Number
- 68410
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Missouri
- City
- INDEPENDENCE
- Data Quarter
- 2025Q4
Branch Locations (5)
Per its most recent NCUA branch filing, United Consumers runs 5 offices in 4 different cities across 2 states.
| Office | City |
|---|---|
| Savage (Main Office) | Independence, MO |
| Truman | Independence, MO |
| Olathe | Olathe, KS |
| Raytown | Raytown, MO |
| South Belt | Saint Joseph, MO |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Missouri
More federally-insured credit unions based in Missouri, ordered by peer group match and asset size.
United Consumers nationwide neighbourhoods
Using this data
- United Consumers ranks #1,978 of 4,374 nationally on financial health and #44 of 89 in MO -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Conservation Employees is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Conservation Employees
Frequently Asked Questions
Is United Consumers financially healthy?
United Consumers has a financial health score of 85/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,978 of 4,374 nationally on health and #44 of 89 in Missouri. Its net worth ratio is 11.78% and its delinquency rate 0.85%.
How does United Consumers compare to other credit unions?
United Consumers 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 (84.17% vs 72.20%). Its widest shortfall is net worth ratio (11.78% vs 12.11%).
How can I join United Consumers?
Membership eligibility for United Consumers depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact United Consumers directly for current membership requirements and application steps.
Is my money safe at United Consumers?
United Consumers 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 Consumers's net worth ratio of 11.78% 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.