Federal credit union · TULSA, Oklahoma · NCUA charter #9248
United Members
Health score 76/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 76
- Health / 100
- $10.6M
- Total assets
- 1,226
- Members
- 18.3%
- Net-worth ratio
United Members scores 76/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $10.6M; members 1,226; net-worth ratio 18.30%; health rank #3,149 of 4,374; healthier than 26th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#3,149 of 4,374 health · 2025Q4United Members · health 76/100 · $10.6M · 2025Q4
Call Report peers
United Members in the assets neighbourhood
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United Members vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); United Members sits in 75-79 with 502 others.
76 26th percentile higher than 26% 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
Peer-gap read for United Members
- Net Worth Ratio leads the peer set - 18.30% here, 14.86% peer average (+3.44 pp).
- Loan-to-Share Ratio trails the peer set - 36.57% here, 59.80% peer average (-23.23 pp).
United Members: in-state Call Report ranks
- Oklahoma health ordinal: #37 of 53.
- By total assets, United Members is #46 of 53 in Oklahoma.
- Membership ranks #47 of 53 among Oklahoma CUs with a reported count (1,226 members).
- One place up in Oklahoma, Mcalester Aap (#36) ties at 76/100; one place down, Dfcu Tulsa (#38) scores 75/100, 1 point lower.
How United Members's 5300 filing moved
United Members: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -1.0% from $10.6M (2025Q4) to $10.5M (2026Q1).
- Net-worth ratio shifted +0.33 pp (17.97% → 18.30%).
This credit union's 18.30% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 76/100 score is built
United Members gives up 24 points in total. Member Growth costs the most, 6.9 of its 15; Net Worth Ratio scores full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 19.4 pts
- Return on Assets 8.9 pts
- Member Growth 8.1 pts
- Loan-to-Share Ratio 9.6 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 18.30% | +3.44 pp |
| Delinquency Rate | 1.08% | -0.07 pp |
| Return on Assets | 0.10% | -0.61 pp |
| Member Growth | -0.49% | - |
| Loan-to-Share Ratio | 36.57% | -23.23 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
United Members quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $10.5M | - |
| 2025Q4 | $10.6M | 1,226 |
| 2024Q4 | $11.6M | 1,232 |
| 2023Q4 | $11.6M | 1,249 |
Credit Union Details
- Charter Number
- 9248
- Type
- Federal
- Field of Membership
- Other/Community
- Peer Group
- $10M–$50M
- State
- Oklahoma
- City
- TULSA
- Data Quarter
- 2025Q4
Branch Locations (2)
Per its most recent NCUA branch filing, United Members runs 2 offices in 2 different cities.
| Office | City |
|---|---|
| Main Office (Main Office) | Tulsa, OK |
| records location | Owasso, OK |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Oklahoma
More federally-insured credit unions based in Oklahoma, ordered by peer group match and asset size.
Other-state peers near United Members
Similar total assets
Using this data
- United Members ranks #3,149 of 4,374 nationally on financial health and #37 of 53 in OK -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Correctional Workers is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Correctional Workers
Frequently Asked Questions
Is United Members financially healthy?
United Members has a financial health score of 76/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,149 of 4,374 nationally on health and #37 of 53 in Oklahoma. Its net worth ratio is 18.30% and its delinquency rate 1.08%.
How does United Members compare to other credit unions?
United Members scores 76/100, higher than 26% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is net worth ratio (18.30% vs 14.86%). Its widest shortfall is loan-to-share ratio (36.57% vs 59.80%).
How can I join United Members?
United Members operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact United Members directly for the exact boundaries and application steps.
Is my money safe at United Members?
United Members 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 Members's net worth ratio of 18.30% 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.