State credit union · FARGO, North Dakota · NCUA charter #65578
United Savings
Health score 90/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 90
- Health / 100
- $122.4M
- Total assets
- 7,167
- Members
- 12.5%
- Net-worth ratio
United Savings scores 90/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $122.4M; members 7,167; net-worth ratio 12.54%; health rank #1,102 of 4,374; healthier than 73rd of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#1,102 of 4,374 health · 2025Q4United Savings · health 90/100 · $122.4M · 2025Q4
- PHOTO 90/100
- BOOK 12.5%
- CHARTER 0.86%
- NCUSIF 0.83%
- CAMELS $122.4M
- HEALTH 7,167
- NW #1,102/4,374
- DELQ Central Credit Union of Illinois
- ROA 65578
Call Report peers
United Savings in the assets neighbourhood
United Savings's $122.4M assets sit next to Central Credit Union of Illinois ($122.5M) 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 Savings 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
90 Top 27% higher than 73% 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 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 vs $100M–$500M peers
- Largest favorable gap: Loan-to-Share Ratio at 84.56% vs peer 72.20% (+12.36 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
United Savings in North Dakota
- Health composite ranks #9 of 29 among scored North Dakota credit unions.
- North Dakota assets place: #11 of 29.
- Member book place in North Dakota: #8 of 29.
In-state ordinals use the live credit_unions table for ND only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
United Savings: 2025Q4 → 2026Q1
United Savings: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.3% from $122.4M (2025Q4) to $125.3M (2026Q1).
- Net-worth ratio shifted -0.24 pp (12.78% → 12.54%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 12.54%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 90/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 90.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 21.4 pts
- Return on Assets 15.0 pts
- Member Growth 8.9 pts
- Loan-to-Share Ratio 14.7 pts
Call Report ratios for United Savings
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.54% | +0.43 pp |
| Delinquency Rate | 0.86% | -0.03 pp |
| Return on Assets | 0.83% | +0.21 pp |
| Member Growth | -0.06% | - |
| Loan-to-Share Ratio | 84.56% | +12.36 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).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $125.3M | - |
| 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
Branch Locations (5)
Per its most recent NCUA branch filing, United Savings runs 5 offices in 4 different cities across 2 states.
| Office | City |
|---|---|
| MAIN OFFICE (Main Office) | Fargo, ND |
| Detroit Lakes | Detroit Lakes, MN |
| Dilworth Office | Dilworth, MN |
| NORTH BRANCH | FARGO, ND |
| SOUTH BRANCH | FARGO, ND |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in North Dakota
More federally-insured credit unions based in North Dakota, ordered by peer group match and asset size.
United Savings nationwide neighbourhoods
United Savings's nationwide photo peers by assets and by health score, excluding North Dakota charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($122.4M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (90/100 here).
Using this data
- United Savings ranks #1,102 of 4,374 nationally on financial health and #9 of 29 in ND -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Vue Community is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Vue Community
- Rates and health both vary by institution, not just by state -- see how North Dakota credit unions compare overall before assuming this one is typical. North Dakota 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 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 the national health ranking (same basis as /rankings/healthiest), it sits at #1,102 of 4,374; by total assets it ranks #1,659 of 4,374 nationally (same basis as /rankings/largest); and #11 of 29 within North Dakota. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 12.54% 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 12.54% 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.
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.