United Neighborhood Federal Credit Union is a federal credit union headquartered in Augusta, Georgia, in business for about 24 years. At the end of Q2 2026 it reported $3.0M in total assets and $2.7M in member shares and deposits, with 2 offices.
United Neighborhood Federal Credit Union has a TellerScore of 51 out of 100 (below average) based on Q2 2026 data — higher than only 10% of its 2,479 credit unions with under $100 million in assets. Among 71 credit unions headquartered in Georgia, it ranks 66th. Funding & liquidity contributes the most (97/100, 63% loans-to-deposits, 0% uninsured); earnings contributes the least (0/100, -5.02%).
TellerScore · Q2 2026
Scorecard
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 15 points (36 → 51), mostly because the loan quality component improved by 67 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 42 |
| Q3 2024 | 46 |
| Q4 2024 | 39 |
| Q1 2025 | 44 |
| Q2 2025 | 36 |
| Q3 2025 | 37 |
| Q4 2025 | 36 |
| Q1 2026 | 35 |
| Q2 2026 | 51 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 9.18% |
| Q3 2024 | 9.72% |
| Q4 2024 | 9.50% |
| Q1 2025 | 9.45% |
| Q2 2025 | 9.93% |
| Q3 2025 | 10.07% |
| Q4 2025 | 10.31% |
| Q1 2026 | 10.08% |
| Q2 2026 | 8.50% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 5.75% |
| Q3 2024 | 5.17% |
| Q4 2024 | 3.58% |
| Q1 2025 | 1.89% |
| Q2 2025 | 3.32% |
| Q3 2025 | 5.11% |
| Q4 2025 | 5.69% |
| Q1 2026 | 3.81% |
| Q2 2026 | 0.98% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.07% |
| Q3 2024 | 1.22% |
| Q4 2024 | 0.30% |
| Q1 2025 | -0.88% |
| Q2 2025 | -0.28% |
| Q3 2025 | -0.07% |
| Q4 2025 | -0.10% |
| Q1 2026 | -1.54% |
| Q2 2026 | -5.02% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 51 | $3.0M | 8.50% | 0.98% | -5.02% | 63.1% |
| Q1 2026 | 35 | $3.1M | 10.08% | 3.81% | -1.54% | 66.1% |
| Q4 2025 | 36 | $3.2M | 10.31% | 5.69% | -0.10% | 70.1% |
| Q3 2025 | 37 | $3.2M | 10.07% | 5.11% | -0.07% | 68.1% |
| Q2 2025 | 36 | $3.3M | 9.93% | 3.32% | -0.28% | 70.9% |
| Q1 2025 | 44 | $3.4M | 9.45% | 1.89% | -0.88% | 70.7% |
| Q4 2024 | 39 | $3.5M | 9.50% | 3.58% | 0.30% | 69.1% |
| Q3 2024 | 46 | $3.6M | 9.72% | 5.17% | 1.22% | 65.4% |
| Q2 2024 | 42 | $3.7M | 9.18% | 5.75% | 1.07% | 65.9% |
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).
Similar-size credit unions in Georgia
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Flint Federal Credit UnionCredit union Reynolds, GA | 99 out of 100, Very strong | $2.9M | 30.0% | 0.00% | vs |
| Coffee County Teachers Federal Credit UnionCredit union Douglas, GA | 50 out of 100, Below average | $3.1M | 19.8% | 3.44% | vs |
| Macon-Bibb Employees Credit UnionCredit union Macon, GA | 63 out of 100, Moderate | $2.7M | 10.8% | 0.45% | vs |
| Flint River Employees Federal Credit UnionCredit union Oglethorpe, GA | 82 out of 100, Strong | $1.7M | 38.1% | 0.22% | vs |
| Locoga Federal Credit UnionCredit union Valdosta, GA | 48 out of 100, Below average | $4.5M | 7.1% | 1.35% | vs |
| Berrien Teachers Federal Credit UnionCredit union Nashville, GA | 60 out of 100, Moderate | $1.4M | 18.8% | 7.51% | vs |
Deposit insurance
Is my money safe at United Neighborhood Federal Credit Union?
Yes. United Neighborhood Federal Credit Union is a federally insured credit union (NCUA charter #24683). 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 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 8.50%, slightly above the 7% level regulators use as the "well capitalized" benchmark for this measure.
2 locations
Branches
United Neighborhood Federal Credit Union lists 2 offices in 1 city. Most locations:
- Augusta, GA (2)
Identity & history
Profile
- Legal name
- United Neighborhood Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 24683
- RSSD ID
- 3176399
- Primary regulator
- NCUA
- Established
- 2002
- Headquarters
- 1434 Poplar St, Augusta, GA 30901
- Employees
- 3
Quick answers
United Neighborhood Federal Credit Union: common questions
Is United Neighborhood Federal Credit Union NCUA insured?
Yes. United Neighborhood Federal Credit Union is a federally insured credit union (NCUA charter #24683). 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 Neighborhood Federal Credit Union's TellerScore?
51 out of 100 (Below average), 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 Neighborhood Federal Credit Union have?
2 offices as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Augusta
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| S. C. State Federal Credit UnionCredit union Columbia, SC | 91 out of 100, Very strong | $1.5B | 15.6% | 0.82% | vs |
| F&M BankBank Washington, GA | 88 out of 100, Very strong | $419.9M | 14.9% | 0.38% | vs |
| Srp Federal Credit UnionCredit union North Augusta, SC | 81 out of 100, Strong | $2.1B | 13.8% | 0.74% | vs |
| South Georgia BankBank Glennville, GA | 81 out of 100, Strong | $269.5M | 10.6% | 0.16% | vs |
| Vallant BankBank Elberton, GA | 78 out of 100, Strong | $4.0B | 12.7% | 0.51% | vs |
| Associated Credit UnionCredit union Norcross, GA | 77 out of 100, Strong | $2.5B | 13.0% | 0.30% | vs |