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
- HEALTH 92/100
- NW 10.7%
- DELQ 0.70%
- ROA 0.42%
- ASSETS $342.9M
- MEM 21,554
- RANK #817/4,374
- PHOTO SAG-AFTRA
- BOOK 61657
Call Report peers
United Financial in the assets neighbourhood
United Financial's $342.9M assets sit next to SAG-AFTRA ($342.9M) 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 Financial 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
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
United Financial - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #61657 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
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%).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for MI only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for United Financial
United Financial: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.2% from $342.9M (2025Q4) to $350.3M (2026Q1).
- Net-worth ratio shifted -0.04 pp (10.78% → 10.74%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 92.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
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
United Financial's nationwide photo peers by assets and by health score, excluding Michigan charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($342.9M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (92/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Michigan credit unions compare overall before assuming this one is typical. Michigan 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 Financial financially healthy?
A 10.74% net worth ratio and a 0.70% delinquency rate feed into United Financial's financial health score of 92/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #817 of 4,374; by total assets it ranks #954 of 4,374 nationally (same basis as /rankings/largest); and #58 of 171 within Michigan. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does United Financial compare to other credit unions?
United Financial scores 92/100 on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), 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 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?
Federal credit unions like United Financial 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 Financial's net worth ratio of 10.74% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does United Financial offer compared to banks?
Credit unions like United Financial 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 Financial 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.