TellerScore

United Financial Credit Union (NCUA charter #61657) is based in Saginaw, Michigan. Its Q2 2026 call report shows $360.1M in total assets and $325.7M in member shares and deposits and 5 offices.

United Financial Credit Union has a TellerScore of 68 out of 100 (moderate) based on Q2 2026 data — higher than only 45% of its 1,341 credit unions with $100 million – $1 billion. Among 169 credit unions headquartered in Michigan, it ranks 111th. Funding & liquidity contributes the most (93/100, 67% loans-to-deposits, 3% uninsured); earnings contributes the least (57/100, 0.92%).

TellerScore · Q2 2026

Scorecard

Capital cushion57/100
Net worth ratio: 10.73%
Loan quality66/100
Loans 60+ days delinquent ÷ total loans: 1.03%
Earnings57/100
Return on assets (annualized): 0.92%
Funding & liquidity93/100
Loans ÷ shares: 67.0% · 2.7% uninsured
Problem-loan coverage88/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 5.95%

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 (69 → 68).

TellerScore
646872Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202464
Q3 202465
Q4 202466
Q1 202569
Q2 202569
Q3 202569
Q4 202569
Q1 202672
Q2 202668
Net worth ratio
7.00%8.98%10.96%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202410.75%
Q3 202410.83%
Q4 202410.96%
Q1 202510.78%
Q2 202510.79%
Q3 202510.73%
Q4 202510.78%
Q1 202610.74%
Q2 202610.73%
Delinquent loans (60+ days)
0.40%0.72%1.03%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.90%
Q3 20240.80%
Q4 20240.93%
Q1 20250.65%
Q2 20250.72%
Q3 20250.65%
Q4 20250.70%
Q1 20260.40%
Q2 20261.03%
Return on assets
0.33%0.62%0.92%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.38%
Q3 20240.33%
Q4 20240.45%
Q1 20250.69%
Q2 20250.69%
Q3 20250.66%
Q4 20250.72%
Q1 20260.72%
Q2 20260.92%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202668$360.1M10.73%1.03%0.92%67.0%
Q1 202672$350.3M10.74%0.40%0.72%67.6%
Q4 202569$342.9M10.78%0.70%0.72%69.0%
Q3 202569$339.4M10.73%0.65%0.66%68.3%
Q2 202569$332.6M10.79%0.72%0.69%68.2%
Q1 202569$327.4M10.78%0.65%0.69%67.0%
Q4 202466$316.9M10.96%0.93%0.45%67.8%
Q3 202465$316.7M10.83%0.80%0.33%67.1%
Q2 202464$317.5M10.75%0.90%0.38%66.9%

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 ratio10.73%
40th
Problem loans1.03%
29th
Net charge-offs0.42%
43rd
Return on assets0.92%
62nd
Loans to deposits67.0%
67th
Uninsured deposits2.7%
85th
Loan-loss reserves0.00%
50th
Texas ratio5.9%
32nd

Similar-size credit unions in Michigan

InstitutionScoreAssetsCapitalProblem loansCompare
Peninsula Federal Credit UnionCredit union Escanaba, MI58 out of 100, Moderate$355.7M9.0%0.94%vs
Freestar Financial Credit UnionCredit union Mount Clemens, MI59 out of 100, Moderate$350.0M9.6%1.17%vs
Michigan United Credit UnionCredit union Auburn Hills, MI76 out of 100, Strong$349.3M12.0%0.10%vs
Marshall Community Credit UnionCredit union Marshall, MI78 out of 100, Strong$371.8M17.2%2.08%vs
Extra Credit UnionCredit union Warren, MI79 out of 100, Strong$345.4M17.5%1.56%vs
Our Credit UnionCredit union Royal Oak, MI68 out of 100, Moderate$375.1M10.0%0.48%vs

Deposit insurance

Is my money safe at United Financial Credit Union?

Yes. United Financial Credit Union is a federally insured credit union (NCUA charter #61657). 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 2.7% of shares and deposits ($9.0M) 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 10.73%, 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 Financial Credit Union lists 5 offices in 4 cities. Most locations:

  • Bridgeport, MI (2)
  • Auburn, MI (1)
  • Freeland, MI (1)
  • Saginaw, MI (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, United Financial Credit Union reported 159 home-loan applications under HMDA (LEI 5493001BHN5KL2O67M10): 111 originated ($17,185,000 total), 15 denied, and 32 withdrawn or closed by the applicant. Its denial rate on decided applications was 11.8%, 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.

Identity & history

Profile

Legal name
United Financial Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
61657
RSSD ID
959797
Primary regulator
State + NCUA
Established
1964
Headquarters
P.O. Box 6430, Saginaw, MI 48608
Employees
82

Quick answers

United Financial Credit Union: common questions

Is United Financial Credit Union NCUA insured?

Yes. United Financial Credit Union is a federally insured credit union (NCUA charter #61657). 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 Financial Credit Union's TellerScore?

68 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 Financial Credit Union have?

5 offices as of the latest NCUA data.