Federal credit union · Decatur, Illinois · NCUA charter #81688
United Equity
Health score 85/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 85
- Health / 100
- $67.9M
- Total assets
- 6,050
- Members
- 18.0%
- Net-worth ratio
United Equity scores 85/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $67.9M; members 6,050; net-worth ratio 17.97%; health rank #1,897 of 4,374; healthier than 54th of scored peers.
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NCUA 5300 Call Report Masthead
#1,897 of 4,374 health · 2025Q4United Equity · health 85/100 · $67.9M · 2025Q4
Call Report peers
United Equity in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
United Equity vs every NCUA-scored credit union
United Equity 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
United Equity: Call Report deltas vs peers
- Largest favorable gap: Loan-to-Share Ratio at 71.91% vs peer 62.60% (+9.31 pp).
Illinois standing for United Equity
- Illinois health ordinal: #80 of 192.
- Illinois assets place: #63 of 192.
- Illinois membership ordinal: #59 of 192.
- One place up in Illinois, NUMARK (#79) scores 86/100, 1 point higher; one place down, Molex Employees (#81) ties at 85/100.
Quarter path for United Equity
United Equity: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -0.9% from $67.9M (2025Q4) to $67.3M (2026Q1).
- Net-worth ratio shifted +0.61 pp (17.36% → 17.97%).
This credit union's 17.97% 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 Equity gives up 15 points in total. Member Growth costs the most, 15 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 24.9 pts
- Return on Assets 15.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 15.1 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 17.97% | +4.35 pp |
| Delinquency Rate | 0.51% | -0.45 pp |
| Return on Assets | 1.09% | +0.43 pp |
| Member Growth | -6.59% | - |
| Loan-to-Share Ratio | 71.91% | +9.31 pp |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
United Equity filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $67.3M | - |
| 2025Q4 | $67.9M | 6,050 |
| 2024Q4 | $70.0M | 6,477 |
| 2023Q4 | $60.4M | 5,406 |
Credit Union Details
- Charter Number
- 81688
- Type
- Federal
- Field of Membership
- Other
- Peer Group
- $50M–$100M
- State
- Illinois
- City
- Decatur
- Data Quarter
- 2025Q4
Branch Locations (2)
United Equity operates 2 offices across 2 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| United Equity Credit Union (Main Office) | Decatur, IL |
| Branch-687 Lincoln St | Galesburg, IL |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Illinois
A look at other Illinois credit unions, ranked by how closely their peer group and asset size match this one.
Other-state peers near United Equity
Using this data
- United Equity ranks #1,897 of 4,374 nationally on financial health and #80 of 192 in IL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- GALE is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with GALE
Frequently Asked Questions
Is United Equity financially healthy?
United Equity has a financial health score of 85/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,897 of 4,374 nationally on health and #80 of 192 in Illinois. Its net worth ratio is 17.97% and its delinquency rate 0.51%.
How does United Equity compare to other credit unions?
United Equity scores 85/100, higher than 54% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is loan-to-share ratio (71.91% vs 62.60%).
How can I join United Equity?
Membership eligibility for United Equity depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact United Equity directly for current membership requirements and application steps.
Is my money safe at United Equity?
United Equity 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 Equity's net worth ratio of 17.97% 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.