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.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#1,897 of 4,374 health · 2025Q4United Equity · health 85/100 · $67.9M · 2025Q4
- PHOTO 85/100
- BOOK 18.0%
- CHARTER 0.51%
- NCUSIF 1.09%
- CAMELS $67.9M
- HEALTH 6,050
- NW #1,897/4,374
- DELQ PATHFINDER
- ROA 81688
Call Report peers
United Equity in the assets neighbourhood
United Equity's $67.9M assets sit next to PATHFINDER ($67.8M) 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 Equity 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 Equity - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #81688. See our deposit-insurance coverage note.
United Equity: Call Report deltas vs peers
- Largest favorable gap: Loan-to-Share Ratio at 71.91% vs peer 62.60% (+9.31 pp).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Illinois standing for United Equity
- Illinois health ordinal: #80 of 192.
- Illinois assets place: #63 of 192.
- Illinois membership ordinal: #59 of 192.
In-state ordinals use the live credit_unions table for IL only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for United Equity
United Equity: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -0.9% from $67.9M (2025Q4) to $67.3M (2026Q1).
- Net-worth ratio shifted +0.61 pp (17.36% → 17.97%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 85.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
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
Cross-state asset and health neighbours for United Equity - kept outside Illinois; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($67.9M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (85/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Illinois credit unions compare overall before assuming this one is typical. Illinois 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 Equity financially healthy?
United Equity has a financial health score of 85/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,897 of 4,374; by total assets it ranks #2,160 of 4,374 nationally (same basis as /rankings/largest); and #63 of 192 within Illinois. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 17.97% and delinquency rate of 0.51%.
How does United Equity compare to other credit unions?
PlainCU's health composite puts United Equity at 85/100, compared to a peer group average for $50M–$100M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), delinquency rate (25%), return on assets (15%), member growth (15%), and 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 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?
Federal credit unions like United Equity 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 Equity's net worth ratio of 17.97% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does United Equity offer compared to banks?
Credit unions like United Equity 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 Equity 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.