TellerScore

United Consumers Credit Union (NCUA charter #68410) is based in Independence, Missouri. Its Q2 2026 call report shows $217.2M in total assets and $189.3M in member shares and deposits and 5 offices across 2 states.

United Consumers Credit Union has a TellerScore of 69 out of 100 (moderate) based on Q2 2026 data — higher than only 48% of its 1,341 credit unions with $100 million – $1 billion. Among 87 credit unions headquartered in Missouri, it ranks 44th. Problem-loan coverage contributes the most (85/100, 7.5%); loan quality contributes the least (61/100, 1.17%).

TellerScore · Q2 2026

Scorecard

Capital cushion70/100
Net worth ratio: 11.97%
Loan quality61/100
Loans 60+ days delinquent ÷ total loans: 1.17%
Earnings63/100
Return on assets (annualized): 1.07%
Funding & liquidity77/100
Loans ÷ shares: 83.1% · 7.8% uninsured
Problem-loan coverage85/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 7.54%

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 (72 → 69), mostly because the earnings component weakened by 14 points.

TellerScore
646974Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202465
Q3 202467
Q4 202468
Q1 202564
Q2 202572
Q3 202574
Q4 202570
Q1 202674
Q2 202669
Net worth ratio
7.00%9.48%11.97%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202410.79%
Q3 202411.37%
Q4 202411.43%
Q1 202511.02%
Q2 202511.53%
Q3 202511.66%
Q4 202511.73%
Q1 202611.78%
Q2 202611.97%
Delinquent loans (60+ days)
0.57%0.87%1.17%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.57%
Q3 20240.59%
Q4 20240.74%
Q1 20250.66%
Q2 20250.99%
Q3 20250.73%
Q4 20250.85%
Q1 20260.73%
Q2 20261.17%
Return on assets
0.16%0.78%1.41%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.36%
Q3 20240.49%
Q4 20240.71%
Q1 20250.16%
Q2 20251.41%
Q3 20251.14%
Q4 20250.99%
Q1 20261.21%
Q2 20261.07%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202669$217.2M11.97%1.17%1.07%83.1%
Q1 202674$216.5M11.78%0.73%1.21%82.4%
Q4 202570$211.7M11.73%0.85%0.99%84.2%
Q3 202574$213.3M11.66%0.73%1.14%78.4%
Q2 202572$212.8M11.53%0.99%1.41%79.8%
Q1 202564$209.9M11.02%0.66%0.16%81.6%
Q4 202468$201.6M11.43%0.74%0.71%85.1%
Q3 202467$199.2M11.37%0.59%0.49%86.1%
Q2 202465$206.6M10.79%0.57%0.36%83.4%

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 ratio11.97%
57th
Problem loans1.17%
23rd
Net charge-offs0.35%
50th
Return on assets1.07%
70th
Loans to deposits83.1%
33rd
Uninsured deposits7.8%
31st
Loan-loss reserves0.00%
50th
Texas ratio7.5%
23rd

Similar-size credit unions in Missouri

InstitutionScoreAssetsCapitalProblem loansCompare
Conservation Employees Credit UnionCredit union Jefferson City, MO74 out of 100, Strong$194.9M9.8%0.20%vs
Public Safety Credit UnionCredit union Kansas City, MO78 out of 100, Strong$191.4M12.7%0.39%vs
Century Credit UnionCredit union Saint Louis, MO87 out of 100, Very strong$182.0M17.6%0.37%vs
R G Federal Credit UnionCredit union Raymore, MO60 out of 100, Moderate$153.6M10.0%0.58%vs
Ozark Federal Credit UnionCredit union Poplar Bluff, MO81 out of 100, Strong$142.5M11.6%0.18%vs
Central Missouri Community Credit UnionCredit union Warrensburg, MO60 out of 100, Moderate$140.2M8.2%0.52%vs

Deposit insurance

Is my money safe at United Consumers Credit Union?

Yes. United Consumers Credit Union is a federally insured credit union (NCUA charter #68410). 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 7.8% of shares and deposits ($14.9M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 11.97%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

5 locations

Branches

United Consumers Credit Union lists 5 offices in 4 cities across 2 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, United Consumers Credit Union reported 81 home-loan applications under HMDA (LEI 549300D5WZYDJFZQJ463): 32 originated ($6,040,000 total), 10 denied, and 39 withdrawn or closed by the applicant. Its denial rate on decided applications was 23.8%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

CFPB TCCP survey · December 31, 2025

Credit card terms

CardPurchase APRAnnual feeLate feeForeign fee
Visa Credit Card12.24% – 26.24%$0—0.0%
Visa Rewards Credit Card15.24% – 26.24%$0—0.0%

All United Consumers Credit Union card terms

Identity & history

Profile

Legal name
United Consumers Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
68410
RSSD ID
286073
Primary regulator
State + NCUA
Established
1941
Headquarters
1111 E 23rd St S, Independence, MO 64055
Employees
56

Quick answers

United Consumers Credit Union: common questions

Is United Consumers Credit Union NCUA insured?

Yes. United Consumers Credit Union is a federally insured credit union (NCUA charter #68410). 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 Consumers Credit Union's TellerScore?

69 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 Consumers Credit Union have?

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

Nearby

Highest-scoring banks and credit unions with branches near Independence

InstitutionScoreAssetsCapitalProblem loansCompare
Comanche County Federal Credit UnionCredit union Lawton, OK96 out of 100, Very strong$36.4M18.8%0.00%vs
Farmers Bank & TrustBank Great Bend, KS96 out of 100, Very strong$1.1B24.0%0.19%vs
The Bank of Grain ValleyBank Grain Valley, MO95 out of 100, Very strong$110.6M24.0%0.00%vs
K.U.M.C. Credit UnionCredit union Shawnee, KS95 out of 100, Very strong$31.4M13.8%0.04%vs
National Advisors Trust CompanyBank Leawood, KS94 out of 100, Very strong$21.6M83.7%0.00%vs
Reliance Credit UnionCredit union Kansas City, KS93 out of 100, Very strong$25.1M16.4%0.30%vs