Federal credit union · Decatur, Illinois · NCUA charter #81688
United Equity
Health score 85/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 85
- Health / 100
- $67.9M
- Total assets
- 6,050
- Members
- 17.4%
- Net-worth ratio
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 - Five Health Pillars
This credit union's pillar breakdown: five 0-100 sub-scores below, which weight-and-sum to the headline health score above. Same underlying NCUA 5300 figures throughout, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)99
- Earnings (ROA)100
- Member growth0
- Liquidity (loan-to-share)100
Weighted composite: 85/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 17.36% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 17.36% | 30% |
| Delinquency Rate | 0.51% | 25% |
| Return on Assets | 1.09% | 15% |
| Member Growth | -6.59% | 15% |
| Loan-to-Share Ratio | 71.91% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About United Equity
Charter #81688, peer group $50M–$100M, a cohort of 584 similarly-sized institutions: that's United Equity, a federal credit union in Decatur, Illinois with 6,050 members, $67.9M in total assets, and $40.1M in outstanding loans as of Q4 2025. The five-factor composite scores it 85/100 (Excellent), helped by a net worth ratio of 17.36% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules.
0.51% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for $50M–$100M credit unions sits at 0.963%, so this institution is running tighter than peers. Deposit deployment is captured by the 71.91% loan-to-share ratio, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at 1.09% on net income of $738K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -6.59%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Other) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.
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.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
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. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 17.36% 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 17.36% 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.
Read our methodology - how this data is sourced, computed, and verified.
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.