State credit union · FARGO, North Dakota · NCUA charter #65578
United Savings
Health score 90/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 90
- Health / 100
- $122.4M
- Total assets
- 7,167
- Members
- 10.1%
- Net-worth ratio
United Savings - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #65578 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
United Savings - Five Health Pillars
This credit union's pillar breakdown: five 0-100 sub-scores below, which weight-and-sum to the headline health score above. Same underlying NCUA 5300 figures throughout, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)85
- Earnings (ROA)100
- Member growth59
- Liquidity (loan-to-share)100
Weighted composite: 90/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 10.08%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 10.08% | 30% |
| Delinquency Rate | 0.86% | 25% |
| Return on Assets | 0.83% | 15% |
| Member Growth | -0.06% | 15% |
| Loan-to-Share Ratio | 84.56% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $122.4M | 7,167 |
| 2024Q4 | $118.6M | 7,171 |
| 2023Q4 | $93.3M | 5,620 |
Credit Union Details
- Charter Number
- 65578
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- North Dakota
- City
- FARGO
- Data Quarter
- 2025Q4
What This Data Says About United Savings
Headquartered in FARGO, North Dakota, United Savings is a state credit union with 7,167 members, $122.4M in total assets, and $89.6M in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 90/100 (Excellent), driven in part by a net worth ratio of 10.08% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #65578 and reports within peer group $100M–$500M, a cohort of 1069 similarly-sized institutions.
Loan book quality rounds out the picture. The delinquency rate of 0.86% measures loans 60+ days past due against total loans outstanding - the peer group average for $100M–$500M credit unions sits at 0.894%, so this institution is running tighter than peers. The loan-to-share ratio of 84.56% indicates how aggressively member deposits are being deployed into lending, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 0.83% on net income of $1.0M for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -0.06%. The quarterly NCUA 5300 Call Report is the source for everything above, current through 2025Q4. Field of membership (currently: Other) decides eligibility to join. NCUSIF deposit-insurance coverage and usage guidance for this data live on our disclaimer page.
Nearby Credit Unions in North Dakota
More federally-insured credit unions based in North Dakota, ordered by peer group match and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is United Savings financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, United Savings carries a financial health score of 90/100 (Excellent). 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 0.86% delinquency rate.
How does United Savings compare to other credit unions?
90/100 is United Savings's score on PlainCU's health composite, compared to a peer group average for $100M–$500M 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 Savings?
Membership eligibility for United Savings depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact United Savings directly for current membership requirements and application steps.
Is my money safe at United Savings?
Federal credit unions like United Savings 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 Savings's net worth ratio of 10.08% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does United Savings offer compared to banks?
Credit unions like United Savings 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 Savings directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
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.