TellerScore

United Federal Credit Union (NCUA charter #6288) is based in St Joseph, Michigan. Its Q2 2026 call report shows $4.4B in total assets and $3.7B in member shares and deposits and 16 offices across 4 states.

Based on its Q2 2026 filing, United Federal Credit Union scores 75/100, which we describe as strong. That is higher than 75% of 454 credit unions with $1 billion – $10 billion. Among 169 credit unions headquartered in Michigan, it ranks 69th. Its strongest component is problem-loan coverage (90/100; 4.8%), and its lowest is funding & liquidity (68/100; 88% loans-to-deposits, 18% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion69/100
Net worth ratio: 11.94%
Loan quality76/100
Loans 60+ days delinquent ÷ total loans: 0.71%
Earnings80/100
Return on assets (annualized): 1.50%
Funding & liquidity68/100
Loans ÷ shares: 88.4% · 18.0% uninsured
Problem-loan coverage90/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 4.81%

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 (75 → 75).

TellerScore
667176Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202466
Q3 202466
Q4 202466
Q1 202572
Q2 202575
Q3 202574
Q4 202570
Q1 202676
Q2 202675
Net worth ratio
7.00%9.47%11.94%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202411.04%
Q3 202411.05%
Q4 202410.99%
Q1 202511.21%
Q2 202511.51%
Q3 202511.73%
Q4 202511.69%
Q1 202611.64%
Q2 202611.94%
Delinquent loans (60+ days)
0.39%0.63%0.86%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.61%
Q3 20240.65%
Q4 20240.59%
Q1 20250.44%
Q2 20250.39%
Q3 20250.53%
Q4 20250.86%
Q1 20260.56%
Q2 20260.71%
Return on assets
0.57%1.05%1.53%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.59%
Q3 20240.57%
Q4 20240.61%
Q1 20251.11%
Q2 20251.26%
Q3 20251.29%
Q4 20251.19%
Q1 20261.53%
Q2 20261.50%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202675$4.4B11.94%0.71%1.50%88.4%
Q1 202676$4.4B11.64%0.56%1.53%87.4%
Q4 202570$4.2B11.69%0.86%1.19%90.9%
Q3 202574$4.3B11.73%0.53%1.29%90.4%
Q2 202575$4.2B11.51%0.39%1.26%89.7%
Q1 202572$4.2B11.21%0.44%1.11%87.1%
Q4 202466$4.2B10.99%0.59%0.61%89.1%
Q3 202466$4.1B11.05%0.65%0.57%88.1%
Q2 202466$4.1B11.04%0.61%0.59%88.3%

454 peers · $1 billion – $10 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 ratio11.94%
68th
Problem loans0.71%
46th
Net charge-offs0.61%
38th
Return on assets1.50%
92nd
Loans to deposits88.4%
49th
Uninsured deposits18.0%
7th
Loan-loss reserves0.00%
50th
Texas ratio4.8%
49th

Similar-size credit unions in Michigan

InstitutionScoreAssetsCapitalProblem loansCompare
Michigan Schools and Government Credit UnionCredit union Clinton Townshi, MI76 out of 100, Strong$4.4B12.6%0.61%vs
Advia Credit UnionCredit union Kalamazoo, MI64 out of 100, Moderate$4.1B9.7%0.70%vs
Consumers Credit UnionCredit union Oshtemo, MI65 out of 100, Moderate$2.9B9.4%0.40%vs
Lake Trust Credit UnionCredit union Brighton, MI62 out of 100, Moderate$2.9B10.8%1.06%vs
Dow Credit UnionCredit union Midland, MI73 out of 100, Strong$2.6B10.1%0.29%vs
Elga Credit UnionCredit union Grand Blanc, MI75 out of 100, Strong$2.5B17.8%1.38%vs

Deposit insurance

Is my money safe at United Federal Credit Union?

Yes. United Federal Credit Union is a federally insured credit union (NCUA charter #6288). 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 18.0% of shares and deposits ($661.2M) are above the $250,000 NCUA insurance limit, above the peer median of 9%. Insured balances are protected regardless of the score.

The net worth ratio is 11.94%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

16 locations

Branches

United Federal Credit Union lists 16 offices in 11 cities across 4 states. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
United Federal Credit Union
Type
Federal credit union
NCUA charter #
6288
RSSD ID
907882
Primary regulator
NCUA
Established
1949
Headquarters
150 Hilltop Road, St Joseph, MI 49085
Employees
672

Quick answers

United Federal Credit Union: common questions

Is United Federal Credit Union NCUA insured?

Yes. United Federal Credit Union is a federally insured credit union (NCUA charter #6288). 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 Federal Credit Union's TellerScore?

75 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 Federal Credit Union have?

16 offices as of the latest NCUA data, in 4 states.