TellerScore

Headquartered in Quincy, Illinois, United Community Credit Union is a federally insured state-chartered credit union with $134.1M in total assets and $113.2M in member shares and deposits as of Q2 2026. It operates 3 offices across 2 states. Its charter dates back to 1941.

Based on its Q2 2026 filing, United Community Credit Union scores 84/100, which we describe as strong. That is higher than 86% of 1,341 credit unions with $100 million – $1 billion. Among 188 credit unions headquartered in Illinois, it ranks 50th. Its strongest component is capital cushion (100/100; 15.41%), and its lowest is earnings (62/100; 1.05%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 15.41%
Loan quality87/100
Loans 60+ days delinquent ÷ total loans: 0.40%
Earnings62/100
Return on assets (annualized): 1.05%
Funding & liquidity71/100
Loans ÷ shares: 89.4% · 2.3% uninsured
Problem-loan coverage95/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.36%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (85 → 84).

TellerScore
828587Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202486
Q3 202484
Q4 202486
Q1 202587
Q2 202585
Q3 202584
Q4 202582
Q1 202683
Q2 202684
Net worth ratio
7.00%11.38%15.75%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202415.19%
Q3 202415.44%
Q4 202415.30%
Q1 202514.90%
Q2 202515.31%
Q3 202515.75%
Q4 202515.66%
Q1 202615.32%
Q2 202615.41%
Delinquent loans (60+ days)
0.19%0.35%0.51%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.19%
Q3 20240.27%
Q4 20240.20%
Q1 20250.21%
Q2 20250.26%
Q3 20250.38%
Q4 20250.51%
Q1 20260.46%
Q2 20260.40%
Return on assets
0.91%0.98%1.06%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.92%
Q3 20240.91%
Q4 20241.06%
Q1 20251.05%
Q2 20250.97%
Q3 20250.99%
Q4 20250.95%
Q1 20260.96%
Q2 20261.05%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202684$134.1M15.41%0.40%1.05%89.4%
Q1 202683$132.4M15.32%0.46%0.96%89.6%
Q4 202582$127.5M15.66%0.51%0.95%92.6%
Q3 202584$125.0M15.75%0.38%0.99%91.9%
Q2 202585$126.6M15.31%0.26%0.97%87.7%
Q1 202587$128.2M14.90%0.21%1.05%83.7%
Q4 202486$122.7M15.30%0.20%1.06%87.6%
Q3 202484$118.4M15.44%0.27%0.91%89.8%
Q2 202486$118.7M15.19%0.19%0.92%85.6%

1,341 peers · $100 million – $1 billion

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 ratio15.41%
87th
Problem loans0.40%
74th
Net charge-offs0.38%
48th
Return on assets1.05%
69th
Loans to deposits89.4%
18th
Uninsured deposits2.3%
88th
Loan-loss reserves0.00%
50th
Texas ratio2.4%
71st

Similar-size credit unions in Illinois

InstitutionScoreAssetsCapitalProblem loansCompare
Gas and Electric Credit UnionCredit union Rock Island, IL72 out of 100, Strong$132.1M10.3%0.38%vs
Commonwealth Credit UnionCredit union Bourbonnais, IL83 out of 100, Strong$128.1M13.2%0.43%vs
Illinois State Police Federal Credit UnionCredit union Springfield, IL76 out of 100, Strong$126.9M10.3%0.01%vs
Central Credit Union of IllinoisCredit union Bellwood, IL75 out of 100, Strong$122.7M14.3%1.19%vs
Illinois Educators Credit UnionCredit union Springfield, IL59 out of 100, Moderate$120.3M10.6%0.87%vs
Landmark Credit UnionCredit union Danville, IL66 out of 100, Moderate$119.1M9.9%0.50%vs

Deposit insurance

Is my money safe at United Community Credit Union?

Yes. United Community Credit Union is a federally insured credit union (NCUA charter #60095). 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 2.3% of shares and deposits ($2.6M) are above the $250,000 NCUA insurance limit, below the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 15.41%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

3 locations

Branches

United Community Credit Union lists 3 offices in 2 cities across 2 states. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
United Community Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
60095
RSSD ID
368894
Primary regulator
State + NCUA
Established
1941
Headquarters
621 N 36th St, Quincy, IL 62301
Employees
45

Quick answers

United Community Credit Union: common questions

Is United Community Credit Union NCUA insured?

Yes. United Community Credit Union is a federally insured credit union (NCUA charter #60095). 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 Community Credit Union's TellerScore?

84 out of 100 (Strong), 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 Community Credit Union have?

3 offices as of the latest NCUA data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Quincy

InstitutionScoreAssetsCapitalProblem loansCompare
Members "first" Community Credit UnionCredit union Quincy, IL92 out of 100, Very strong$111.6M25.4%0.03%vs
Town & Country Bank MidwestBank Quincy, IL92 out of 100, Very strong$279.3M14.9%0.15%vs
Farmers State BankBank Pittsfield, IL88 out of 100, Very strong$339.8M15.0%0.23%vs
Liberty BankBank Liberty, IL86 out of 100, Very strong$193.9M12.2%0.14%vs
Western Illinois School Employees Credit UnionCredit union Quincy, IL83 out of 100, Strong$24.0M16.1%0.17%vs
HNB National BankBank Hannibal, MO81 out of 100, Strong$1.3B9.7%0.06%vs