TellerScore

Headquartered in Decatur, Illinois, United Equity Credit Union is a non-federally insured state credit union with $66.2M in total assets and $53.7M in member shares and deposits as of Q2 2026. It operates 2 offices.

United Equity Credit Union has a TellerScore of 94 out of 100 (very strong) based on Q2 2026 data — higher than 95% of its 2,479 credit unions with under $100 million in assets. Among 188 credit unions headquartered in Illinois, it ranks 12th. Capital cushion contributes the most (100/100, 18.66%); earnings contributes the least (87/100, 1.68%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 18.66%
Loan quality92/100
Loans 60+ days delinquent ÷ total loans: 0.23%
Earnings87/100
Return on assets (annualized): 1.68%
Funding & liquidity88/100
Loans ÷ shares: 72.5% · 0.0% uninsured
Problem-loan coverage99/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.73%

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 10 points (84 → 94), mostly because the loan quality component improved by 23 points.

TellerScore
778694Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202477
Q3 202479
Q4 202480
Q1 202580
Q2 202584
Q3 202587
Q4 202588
Q1 202693
Q2 202694
Net worth ratio
7.00%12.83%18.66%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202414.32%
Q3 202414.99%
Q4 202415.59%
Q1 202515.52%
Q2 202516.06%
Q3 202517.04%
Q4 202517.36%
Q1 202617.97%
Q2 202618.66%
Delinquent loans (60+ days)
0.23%0.72%1.21%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.90%
Q3 20240.98%
Q4 20241.12%
Q1 20251.21%
Q2 20250.93%
Q3 20250.88%
Q4 20250.51%
Q1 20260.44%
Q2 20260.23%
Return on assets
0.71%1.24%1.77%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.71%
Q3 20240.77%
Q4 20241.05%
Q1 20251.13%
Q2 20251.31%
Q3 20251.58%
Q4 20251.30%
Q1 20261.77%
Q2 20261.68%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202694$66.2M18.66%0.23%1.68%72.5%
Q1 202693$67.3M17.97%0.44%1.77%70.8%
Q4 202588$67.9M17.36%0.51%1.30%71.9%
Q3 202587$68.8M17.04%0.88%1.58%72.2%
Q2 202584$70.9M16.06%0.93%1.31%72.6%
Q1 202580$71.6M15.52%1.21%1.13%71.9%
Q4 202480$70.0M15.59%1.12%1.05%75.9%
Q3 202479$70.6M14.99%0.98%0.77%76.4%
Q2 202477$72.9M14.32%0.90%0.71%74.1%

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 ratio18.66%
72nd
Problem loans0.23%
72nd
Net charge-offs0.21%
46th
Return on assets1.68%
89th
Loans to deposits72.5%
29th
Uninsured deposits0.0%
81st
Loan-loss reserves0.00%
37th
Texas ratio0.7%
71st

Similar-size credit unions in Illinois

InstitutionScoreAssetsCapitalProblem loansCompare
Moline Municipal Credit UnionCredit union Moline, IL73 out of 100, Strong$66.0M13.8%0.99%vs
Northwest Community Credit UnionCredit union Morton Grove, IL51 out of 100, Below average$66.6M9.4%1.27%vs
Acme Continental Credit UnionCredit union Riverdale, IL82 out of 100, Strong$62.5M17.1%0.55%vs
Fieldstone Credit UnionCredit union Bradley, IL84 out of 100, Strong$61.7M14.0%0.69%vs
New Century Federal Credit UnionCredit union Joliet, IL80 out of 100, Strong$60.2M13.9%0.71%vs
Gale Credit UnionCredit union Galesburg, IL73 out of 100, Strong$73.7M10.6%0.33%vs

Deposit insurance

Is my money safe at United Equity Credit Union?

United Equity Credit Union files NCUA call reports but its charter type is recorded as not federally insured. Ask the credit union how deposits are insured.

An estimated 0.0% of shares and deposits ($0) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 18.66%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

2 locations

Branches

United Equity Credit Union lists 2 offices in 2 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
United Equity Credit Union
Type
Non-federally insured state credit union
NCUA charter #
81688
RSSD ID
305198
Primary regulator
State + NCUA
Headquarters
1130 E Pershing Rd, Decatur, IL 62526
Employees
18

Quick answers

United Equity Credit Union: common questions

Is United Equity Credit Union NCUA insured?

United Equity Credit Union files NCUA call reports but its charter type is recorded as not federally insured. Ask the credit union how deposits are insured.

What is United Equity Credit Union's TellerScore?

94 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 Equity Credit Union have?

2 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Decatur

InstitutionScoreAssetsCapitalProblem loansCompare
I.B.E.W. Local #146 Credit UnionCredit union Decatur, IL94 out of 100, Very strong$5.0M13.5%0.00%vs
First National Bank in TaylorvilleBank Taylorville, IL92 out of 100, Very strong$200.1M14.4%0.00%vs
Scott State BankBank Bethany, IL86 out of 100, Very strong$203.5M13.7%0.24%vs
Decatur Policemen Credit UnionCredit union Decatur, IL85 out of 100, Very strong$5.3M15.0%0.44%vs
Peoples Bank of MaconBank Macon, IL82 out of 100, Strong$22.7M13.6%0.00%vs
Staley Credit UnionCredit union Decatur, IL80 out of 100, Strong$228.5M11.8%0.13%vs