State credit union · Saginaw, Michigan · NCUA charter #61657
United Financial
Health score 92/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 92
- Health / 100
- $342.9M
- Total assets
- 21,554
- Members
- 10.7%
- Net-worth ratio
United Financial scores 92/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $342.9M; members 21,554; net-worth ratio 10.74%; health rank #817 of 4,374; healthier than 80th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#817 of 4,374 health · 2025Q4United Financial · health 92/100 · $342.9M · 2025Q4
Call Report peers
United Financial in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
United Financial vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); United Financial sits in 90-94 with 747 others.
92 Top 20% higher than 80% 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
Where United Financial diverges from peer averages
- Strongest edge vs 1069 $100M–$500M peers is Delinquency Rate: -0.19 pp (0.70% vs 0.89%).
- Widest shortfall vs peers is Loan-to-Share Ratio: -3.19 pp (69.01% vs 72.20%).
Michigan standing for United Financial
- Health composite ranks #32 of 171 among scored Michigan credit unions.
- Assets rank #58 of 171 inside Michigan ($342.9M reported).
- Member book place in Michigan: #60 of 171.
- One place up in Michigan, Financial Plus (#31) ties at 92/100; one place down, KALSEE (#33) ties at 92/100.
Quarter path for United Financial
United Financial: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.2% from $342.9M (2025Q4) to $350.3M (2026Q1).
- Net-worth ratio shifted -0.04 pp (10.78% → 10.74%).
This credit union's 10.74% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 92/100 score is built
United Financial gives up 8 points in total. Member Growth costs the most, 4.8 of its 15; Net Worth Ratio scores full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 23.0 pts
- Return on Assets 13.8 pts
- Member Growth 10.2 pts
- Loan-to-Share Ratio 15.0 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.74% | -1.37 pp |
| Delinquency Rate | 0.70% | -0.19 pp |
| Return on Assets | 0.42% | -0.20 pp |
| Member Growth | 0.98% | - |
| Loan-to-Share Ratio | 69.01% | -3.19 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Call Report history - United Financial
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $350.3M | - |
| 2025Q4 | $342.9M | 21,554 |
| 2024Q4 | $316.9M | 21,344 |
| 2023Q4 | $320.9M | 22,767 |
Credit Union Details
- Charter Number
- 61657
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Michigan
- City
- Saginaw
- Data Quarter
- 2025Q4
Branch Locations (10)
Per its most recent NCUA branch filing, United Financial runs 10 offices in 8 different cities.
| Office | City |
|---|---|
| UNITED FINANCIAL CREDIT UNION (Main Office) | Saginaw, MI |
| UNITED FINANCIAL CREDIT UNION | AUBURN, MI |
| United Financial Credit Union Frankenlust Office | Bay City, MI |
| UNITED FINANCIAL/DIXIE HWY | Bridgeport, MI |
| UNITED FINANCIAL CREDIT UNION | Bridgeport, MI |
| United Financial Credit Union | Chesaning, MI |
| UNITED FINANCIAL CREDIT UNION | FREELAND, MI |
| United Financial Credit Union Pinconning Branch | Pinconning, MI |
| UNITED FINANCIAL CREDIT UNION | SAGINAW, MI |
| UNITED FINANCIAL CREDIT UNION | Saginaw, MI |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Michigan
Other federally-insured credit unions in Michigan, closest first by peer group and asset size.
United Financial nationwide neighbourhoods
Similar total assets
Using this data
- United Financial ranks #817 of 4,374 nationally on financial health and #32 of 171 in MI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Freestar Financial is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Freestar Financial
Frequently Asked Questions
Is United Financial financially healthy?
United Financial has a financial health score of 92/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #817 of 4,374 nationally on health and #32 of 171 in Michigan. Its net worth ratio is 10.74% and its delinquency rate 0.70%.
How does United Financial compare to other credit unions?
United Financial scores 92/100, higher than 80% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is delinquency rate (0.70% vs 0.89%). Its widest shortfall is loan-to-share ratio (69.01% vs 72.20%).
How can I join United Financial?
Membership eligibility for United Financial depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact United Financial directly for current membership requirements and application steps.
Is my money safe at United Financial?
United Financial 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 Financial's net worth ratio of 10.74% 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.