UNITED FINANCIAL
State-Chartered • Saginaw, Michigan • Est. 1964
Quick Facts
- Charter Number
- #61657
- Type
- State-Chartered
- Established
- 1964
- Headquarters
- Saginaw, Michigan 48603
- Address
- 4685 State St
- Branches
- 10
- ATMs
- 9
- Members
- 21,710
- Membership Type
- Community
CUScore Financial Grade
Based on Q1 2026 NCUA Call Report data
Under CUScore's rules, this institution reports a net worth ratio of at least 10% and a delinquency rate below 1%. This simplified grade is informational, is not an official NCUA rating, and does not determine regulatory or deposit-insurance status.
Financial Overview
Total Assets
Members
21,710 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | UNITED FINANCIAL |
|---|---|
| Total Assets | $350.3M |
| Members | 21,710 |
| Loans Outstanding | $214.0M |
| Shares & Deposits | $316.6M |
| Net Worth | $37.6M |
| Net Worth Ratio | 10.74% |
| Loan-to-Share Ratio | 67.6% |
| Delinquency Rate | 0.40% |
| Net Income | +$0 |
Source: Q1 2026 NCUA Call Report • Reporting date: 3/31/2026
Branch Locations
10 locations · 9 ATMs
UNITED FINANCIAL/DIXIE HWY
6310 Dixie Hwy
Bridgeport, MI 48722
UNITED FINANCIAL CREDIT UNION
6310 Dixie Hwy
Bridgeport, MI 48722-9566
UNITED FINANCIAL CREDIT UNION
4685 STATE ST
Saginaw, MI 48603
UNITED FINANCIAL CREDIT UNION
7600 MIDLAND RD
Freeland, MI 48623
UNITED FINANCIAL CREDIT UNION
1026 W Midland Rd
Auburn, MI 48611
Who Can Join UNITED FINANCIAL?
Membership Type: Community
Membership eligibility for UNITED FINANCIAL may vary. Contact the credit union directly to confirm qualification requirements.
Contact UNITED FINANCIAL directly or visit their website for the most accurate and up-to-date membership eligibility information.
Find More Credit Unions in Michigan
Review the Q1 2026 statewide dataset, aggregate ratios, and institutions ranked by reported assets.
View Michigan RankingsFrequently Asked Questions
UNITED FINANCIAL is listed as federally insured in the Q1 2026 NCUA dataset. NCUA share insurance generally covers qualifying accounts up to the standard maximum amount, with coverage depending on account ownership categories. Verify current status and coverage for your accounts with the NCUA or the institution.
As of the Q1 2026 NCUA Call Report, UNITED FINANCIAL has 21,710 members and a potential membership field of 9,584,261 people.
UNITED FINANCIAL's reported net worth ratio is 10.74% as of Q1 2026. The NCUA's standard net worth ratio threshold for "well capitalized" is 7%, although official status can involve additional rules.
UNITED FINANCIAL operates 10 branch locations and has access to 9 ATMs. The main office is located at 4685 State St, Saginaw, MI 48603.
UNITED FINANCIAL was established in 1964. It is a state-chartered credit union chartered under charter number 61657. The institution has been serving members for 62 years.
Data sourced from the NCUA Quarterly Call Report (Q1 2026). CUScore is an independent directory and is not affiliated with the NCUA or UNITED FINANCIAL. All financial data is for informational purposes only.