State credit union · Fort Worth, Texas · NCUA charter #68589
Unity One
Health score 65/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 65
- Health / 100
- $271.3M
- Total assets
- 24,940
- Members
- 8.4%
- Net-worth ratio
Unity One scores 65/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $271.3M; members 24,940; net-worth ratio 8.39%; health rank #3,890 of 4,374; healthier than 11th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#3,890 of 4,374 health · 2025Q4Unity One · health 65/100 · $271.3M · 2025Q4
Call Report peers
Unity One in the assets neighbourhood
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Unity One vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Unity One sits in 65-69 with 275 others.
65 11th percentile higher than 11% 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 Unity One
- Widest shortfall vs peers is Loan-to-Share Ratio: -7.91 pp (64.29% vs 72.20%).
Unity One: in-state Call Report ranks
- In Texas, health place is #338 of 386 on the same NCUA-ratio sort used nationally.
- By total assets, Unity One is #87 of 386 in Texas.
- Membership ranks #76 of 386 among Texas CUs with a reported count (24,940 members).
- One place up in Texas, WESTEX (#337) ties at 65/100; one place down, Credit Human (#339) ties at 65/100.
Unity One Call Report trajectory
Unity One: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.3% from $271.3M (2025Q4) to $280.2M (2026Q1).
- Net-worth ratio shifted -0.35 pp (8.74% → 8.39%).
At 8.39%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 65/100 score is built
Unity One gives up 35 points in total. Member Growth costs the most, 15 of its 15; Loan-to-Share Ratio loses the least, 1.3.
- Net Worth Ratio 26.0 pts
- Delinquency Rate 21.0 pts
- Return on Assets 4.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 14.0 pts
Call Report ratios for Unity One
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.39% | -3.72 pp |
| Delinquency Rate | 0.90% | +0.00 pp |
| Return on Assets | -0.05% | -0.68 pp |
| Member Growth | -6.10% | - |
| Loan-to-Share Ratio | 64.29% | -7.91 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Unity One quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $280.2M | - |
| 2025Q4 | $271.3M | 24,940 |
| 2024Q4 | $290.0M | 26,559 |
| 2023Q4 | $285.9M | 28,181 |
Credit Union Details
- Charter Number
- 68589
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Texas
- City
- Fort Worth
- Data Quarter
- 2025Q4
Branch Locations (7)
The NCUA branch filing lists 7 physical offices for Unity One, spread across 5 cities in 3 states.
| Office | City |
|---|---|
| Campus Branch (Main Office) | Fort Worth, TX |
| North Tarrant Branch | Fort Worth, TX |
| Northside Branch | Fort Worth, TX |
| Kansas City | Kansas City, KS |
| Keller Branch | KELLER, TX |
| Maplewood Branch | Maplewood, MN |
| BCTAL Branch | North Richland Hills, TX |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Texas
Other federally-insured credit unions in Texas, closest first by peer group and asset size.
Cross-state Call Report peers for Unity One
Using this data
- Unity One ranks #3,890 of 4,374 nationally on financial health and #338 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Gulf Coast is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Gulf Coast
Frequently Asked Questions
Is Unity One financially healthy?
Unity One has a financial health score of 65/100 (Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,890 of 4,374 nationally on health and #338 of 386 in Texas. Its net worth ratio is 8.39% and its delinquency rate 0.90%.
How does Unity One compare to other credit unions?
Unity One scores 65/100, higher than 11% of the 4,374 scored credit unions. Its widest shortfall is loan-to-share ratio (64.29% vs 72.20%).
How can I join Unity One?
Membership eligibility for Unity One depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Unity One directly for current membership requirements and application steps.
Is my money safe at Unity One?
Unity One is a state-chartered 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. Unity One's net worth ratio of 8.39% 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.