TellerScore

Headquartered in Mexico, Missouri, United Credit Union is a federally insured state-chartered credit union with $302.1M in total assets and $253.5M in member shares and deposits as of Q2 2026. It operates 8 offices. Its charter dates back to 1935.

Based on its Q2 2026 filing, United Credit Union scores 88/100, which we describe as very strong. That is higher than 92% of 1,341 credit unions with $100 million – $1 billion. Among 87 credit unions headquartered in Missouri, it ranks 7th. Its strongest component is capital cushion (100/100; 15.17%), and its lowest is earnings (68/100; 1.19%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 15.17%
Loan quality87/100
Loans 60+ days delinquent ÷ total loans: 0.40%
Earnings68/100
Return on assets (annualized): 1.19%
Funding & liquidity85/100
Loans ÷ shares: 75.5% · 6.3% uninsured
Problem-loan coverage97/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.68%

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 rose 6 points (82 → 88), mostly because the earnings component improved by 18 points.

TellerScore
828588Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202486
Q3 202488
Q4 202487
Q1 202584
Q2 202582
Q3 202586
Q4 202584
Q1 202685
Q2 202688
Net worth ratio
7.00%11.32%15.63%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202414.92%
Q3 202415.63%
Q4 202415.29%
Q1 202514.40%
Q2 202514.20%
Q3 202514.65%
Q4 202515.03%
Q1 202614.73%
Q2 202615.17%
Delinquent loans (60+ days)
0.35%0.58%0.82%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.82%
Q3 20240.63%
Q4 20240.68%
Q1 20250.38%
Q2 20250.39%
Q3 20250.35%
Q4 20250.41%
Q1 20260.42%
Q2 20260.40%
Return on assets
0.76%1.26%1.75%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.72%
Q3 20241.75%
Q4 20241.60%
Q1 20250.93%
Q2 20250.76%
Q3 20250.96%
Q4 20250.79%
Q1 20260.92%
Q2 20261.19%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202688$302.1M15.17%0.40%1.19%75.5%
Q1 202685$303.7M14.73%0.42%0.92%71.0%
Q4 202584$293.0M15.03%0.41%0.79%75.0%
Q3 202586$302.7M14.65%0.35%0.96%73.0%
Q2 202582$305.1M14.20%0.39%0.76%71.5%
Q1 202584$297.6M14.40%0.38%0.93%72.3%
Q4 202487$277.5M15.29%0.68%1.60%80.3%
Q3 202488$268.6M15.63%0.63%1.75%85.6%
Q2 202486$273.6M14.92%0.82%1.72%87.0%

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 ratio15.17%
86th
Problem loans0.40%
74th
Net charge-offs0.64%
24th
Return on assets1.19%
78th
Loans to deposits75.5%
50th
Uninsured deposits6.3%
46th
Loan-loss reserves0.00%
50th
Texas ratio1.7%
80th

Similar-size credit unions in Missouri

InstitutionScoreAssetsCapitalProblem loansCompare
Great Plains Federal Credit UnionCredit union Joplin, MO74 out of 100, Strong$318.8M13.0%0.53%vs
Telcomm Credit UnionCredit union Springfield, MO77 out of 100, Strong$337.9M13.2%0.25%vs
United Consumers Credit UnionCredit union Independence, MO69 out of 100, Moderate$217.2M12.0%1.17%vs
Arsenal Credit UnionCredit union Arnold, MO55 out of 100, Moderate$387.5M8.8%1.10%vs
Missouri Electric Cooperatives EmplCredit union Jefferson City, MO82 out of 100, Strong$396.8M11.3%0.13%vs
Alltru Federal Credit UnionCredit union Wentzville, MO41 out of 100, Below average$400.6M9.4%2.38%vs

Deposit insurance

Is my money safe at United Credit Union?

Yes. United Credit Union is a federally insured credit union (NCUA charter #63597). 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 6.3% of shares and deposits ($16.1M) 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 15.17%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

8 locations

Branches

United Credit Union lists 8 offices in 6 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
United Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
63597
RSSD ID
778194
Primary regulator
State + NCUA
Established
1935
Headquarters
PO Box 858, Mexico, MO 65265
Employees
107

Quick answers

United Credit Union: common questions

Is United Credit Union NCUA insured?

Yes. United Credit Union is a federally insured credit union (NCUA charter #63597). 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 Credit Union's TellerScore?

88 out of 100 (Very 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 Credit Union have?

8 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Mexico

InstitutionScoreAssetsCapitalProblem loansCompare
TPNB BankBank Paris, MO89 out of 100, Very strong$112.0M15.2%0.00%vs
United Security BankBank Fulton, MO85 out of 100, Very strong$97.2M13.4%0.00%vs
Regional Missouri BankBank Marceline, MO84 out of 100, Strong$597.4M11.6%0.07%vs
Show-Me Credit UnionCredit union Mexico, MO83 out of 100, Strong$43.7M13.2%0.68%vs
HNB National BankBank Hannibal, MO81 out of 100, Strong$1.3B9.7%0.06%vs
Jonesburg State BankBank Jonesburg, MO81 out of 100, Strong$145.6M9.9%0.00%vs