TellerScore

United Churches Credit Union is a federally insured state-chartered credit union headquartered in Taylor, Michigan, in business for about 69 years. At the end of Q2 2026 it reported $21.9M in total assets and $19.5M in member shares and deposits, with 1 office.

United Churches Credit Union has a TellerScore of 67 out of 100 (moderate) based on Q2 2026 data — higher than only 34% of its 2,479 credit unions with under $100 million in assets. Among 169 credit unions headquartered in Michigan, it ranks 124th. Funding & liquidity contributes the most (100/100, 25% loans-to-deposits, 6% uninsured); capital cushion contributes the least (53/100, 10.28%).

TellerScore · Q2 2026

Scorecard

Capital cushion53/100
Net worth ratio: 10.28%
Loan quality64/100
Loans 60+ days delinquent ÷ total loans: 1.08%
Earnings55/100
Return on assets (annualized): 0.86%
Funding & liquidity100/100
Loans ÷ shares: 25.4% · 6.1% uninsured
Problem-loan coverage95/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.38%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 3 points (70 → 67), mostly because the loan quality component weakened by 22 points.

TellerScore
656870Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202470
Q3 202467
Q4 202469
Q1 202567
Q2 202570
Q3 202565
Q4 202566
Q1 202670
Q2 202667
Net worth ratio
7.00%8.64%10.28%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20248.80%
Q3 20249.23%
Q4 20249.20%
Q1 20259.12%
Q2 20259.42%
Q3 20259.93%
Q4 202510.21%
Q1 202610.02%
Q2 202610.28%
Delinquent loans (60+ days)
0.27%0.79%1.31%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.27%
Q3 20240.86%
Q4 20240.46%
Q1 20250.52%
Q2 20250.43%
Q3 20251.31%
Q4 20251.30%
Q1 20260.48%
Q2 20261.08%
Return on assets
0.68%0.85%1.03%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.83%
Q3 20241.03%
Q4 20240.86%
Q1 20250.69%
Q2 20250.86%
Q3 20250.96%
Q4 20250.91%
Q1 20260.68%
Q2 20260.86%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202667$21.9M10.28%1.08%0.86%25.4%
Q1 202670$21.9M10.02%0.48%0.68%25.2%
Q4 202566$21.1M10.21%1.30%0.91%27.9%
Q3 202565$21.4M9.93%1.31%0.96%27.7%
Q2 202570$21.9M9.42%0.43%0.86%25.8%
Q1 202567$22.0M9.12%0.52%0.69%26.2%
Q4 202469$21.4M9.20%0.46%0.86%28.4%
Q3 202467$21.1M9.23%0.86%1.03%28.0%
Q2 202470$21.3M8.80%0.27%0.83%27.4%

2,479 peers · Under $100 million in assets

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio10.28%
18th
Problem loans1.08%
36th
Net charge-offs0.25%
43rd
Return on assets0.86%
61st
Loans to deposits25.4%
93rd
Uninsured deposits6.1%
16th
Loan-loss reserves0.00%
37th
Texas ratio2.4%
48th

Similar-size credit unions in Michigan

InstitutionScoreAssetsCapitalProblem loansCompare
Warren Municipal Federal Credit UnionCredit union Warren, MI71 out of 100, Strong$22.1M9.6%0.20%vs
Tandem Federal Credit UnionCredit union Warren, MI72 out of 100, Strong$22.3M16.5%1.47%vs
Electrical Workers Local 58 Credit UnionCredit union Detroit, MI90 out of 100, Very strong$21.4M12.2%0.09%vs
Blue Water Federal Credit UnionCredit union Port Huron, MI86 out of 100, Very strong$20.4M14.4%0.23%vs
Frankfort Community Federal Credit UnionCredit union Frankfort, MI69 out of 100, Moderate$19.6M14.4%3.83%vs
International Uaw Federal Credit UnionCredit union Detroit, MI60 out of 100, Moderate$19.5M15.8%3.78%vs

Deposit insurance

Is my money safe at United Churches Credit Union?

Yes. United Churches Credit Union is a federally insured credit union (NCUA charter #62144). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 6.1% of shares and deposits ($1.2M) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 10.28%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

United Churches Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
United Churches Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
62144
RSSD ID
769295
Primary regulator
State + NCUA
Established
1957
Headquarters
20252 Ecorse Rd, Taylor, MI 48180
Employees
6

Quick answers

United Churches Credit Union: common questions

Is United Churches Credit Union NCUA insured?

Yes. United Churches Credit Union is a federally insured credit union (NCUA charter #62144). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is United Churches Credit Union's TellerScore?

67 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does United Churches Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Taylor

InstitutionScoreAssetsCapitalProblem loansCompare
Total Community Credit UnionCredit union Taylor, MI97 out of 100, Very strong$111.3M15.3%0.36%vs
JPMorgan Chase Bank, DearbornBank Dearborn, MI94 out of 100, Very strong$71.5M99.6%0.00%vs
I.M. Detroit District Credit UnionCredit union Detroit, MI93 out of 100, Very strong$1.9M28.1%0.00%vs
Electrical Workers Local 58 Credit UnionCredit union Detroit, MI90 out of 100, Very strong$21.4M12.2%0.09%vs
Zeal Credit UnionCredit union Livonia, MI83 out of 100, Strong$1.1B19.8%1.50%vs
Wayne-Westland Federal Credit UnionCredit union Westland, MI83 out of 100, Strong$161.2M11.3%0.47%vs