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.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#3,771 of 4,374 health · 2025Q4United Neighborhood · health 67/100 · $3.2M · 2025Q4
- BOOK 67/100
- CHARTER 10.1%
- NCUSIF 5.69%
- CAMELS 0.33%
- HEALTH $3.2M
- NW 642
- DELQ #3,771/4,374
- ROA n/a
- ASSETS 24683
Call Report peers
United Neighborhood carries $3.2M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
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
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
67 13th percentile higher than 13% 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 Neighborhood - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #24683: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
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%).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for GA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
United Neighborhood: 2025Q4 → 2026Q1
United Neighborhood: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -1.5% from $3.2M (2025Q4) to $3.1M (2026Q1).
- Net-worth ratio shifted -0.23 pp (10.31% → 10.08%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 67.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
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
United Neighborhood's nationwide photo peers by assets and by health score, excluding Georgia charters.
Similar health score
Nearest other-state credit unions by five-factor health composite (67/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Georgia credit unions compare overall before assuming this one is typical. Georgia 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 Neighborhood financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, United Neighborhood carries a financial health score of 67/100 (Good). On the national health ranking (same basis as /rankings/healthiest), it sits at #3,771 of 4,374; by total assets it ranks #4,027 of 4,374 nationally (same basis as /rankings/largest); and #66 of 74 within Georgia. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 10.08% net worth ratio and a 5.69% delinquency rate.
How does United Neighborhood compare to other credit unions?
67/100 is United Neighborhood's score on PlainCU's health composite, compared to a peer group average for $2M–$10M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 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?
Federal credit unions like United Neighborhood 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 Neighborhood's net worth ratio of 10.08% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does United Neighborhood offer compared to banks?
Credit unions like United Neighborhood 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 Neighborhood 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.