Federal credit union · Augusta, Georgia · NCUA charter #24683
United Neighborhood
Health score 67/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 67
- Health / 100
- $3.2M
- Total assets
- 642
- Members
- 10.1%
- Net-worth ratio
United Neighborhood scores 67/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $3.2M; members 642; net-worth ratio 10.08%; health rank #3,771 of 4,374; healthier than 13th of scored peers.
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NCUA 5300 Call Report Masthead
#3,771 of 4,374 health · 2025Q4United Neighborhood · health 67/100 · $3.2M · 2025Q4
Call Report peers
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
United Neighborhood vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); United Neighborhood sits in 65-69 with 275 others.
67 13th percentile higher than 13% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
United Neighborhood vs $2M–$10M peers
- Largest favorable gap: Loan-to-Share Ratio at 70.08% vs peer 63.60% (+6.48 pp).
- Widest shortfall vs peers is Net Worth Ratio: -8.98 pp (10.08% vs 19.06%).
Georgia standing for United Neighborhood
- Georgia health ordinal: #68 of 74.
- By total assets, United Neighborhood is #66 of 74 in Georgia.
- Georgia membership ordinal: #66 of 74.
- One place up in Georgia, Savannah Postal (#67) ties at 67/100; one place down, Rig Employees (#69) scores 65/100, 2 points lower.
United Neighborhood: 2025Q4 → 2026Q1
United Neighborhood: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -1.5% from $3.2M (2025Q4) to $3.1M (2026Q1).
- Net-worth ratio shifted -0.23 pp (10.31% → 10.08%).
10.08% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 67/100 score is built
United Neighborhood gives up 33 points in total. Delinquency Rate costs the most, 25 of its 25; Net Worth Ratio and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 0.0 pts
- Return on Assets 12.5 pts
- Member Growth 9.2 pts
- Loan-to-Share Ratio 15.3 pts
Call Report ratios for United Neighborhood
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.08% | -8.98 pp |
| Delinquency Rate | 5.69% | +3.88 pp |
| Return on Assets | 0.33% | -0.12 pp |
| Member Growth | 0.16% | - |
| Loan-to-Share Ratio | 70.08% | +6.48 pp |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
United Neighborhood quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $3.1M | - |
| 2025Q4 | $3.2M | 642 |
| 2024Q4 | $3.5M | 641 |
| 2023Q4 | $3.6M | 631 |
Credit Union Details
- Charter Number
- 24683
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $2M–$10M
- State
- Georgia
- City
- Augusta
- Data Quarter
- 2025Q4
Branch Locations (2)
United Neighborhood operates 2 offices in Augusta, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Main Office (Main Office) | Augusta, GA |
| Broadway Branch | Augusta, GA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Georgia
Other federally-insured credit unions in Georgia, closest first by peer group and asset size.
Cross-state Call Report peers for United Neighborhood
Using this data
- United Neighborhood ranks #3,771 of 4,374 nationally on financial health and #68 of 74 in GA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Coffee County Teachers is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Coffee County Teachers
Frequently Asked Questions
Is United Neighborhood financially healthy?
United Neighborhood has a financial health score of 67/100 (Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,771 of 4,374 nationally on health and #68 of 74 in Georgia. Its net worth ratio is 10.08% and its delinquency rate 5.69%.
How does United Neighborhood compare to other credit unions?
United Neighborhood scores 67/100, higher than 13% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is loan-to-share ratio (70.08% vs 63.60%). Its widest shortfall is net worth ratio (10.08% vs 19.06%).
How can I join United Neighborhood?
United Neighborhood 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 Neighborhood directly for the exact boundaries and application steps.
Is my money safe at United Neighborhood?
United Neighborhood 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 Neighborhood's net worth ratio of 10.08% 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.