UNITED FINANCIAL
State-Chartered • Saginaw, Michigan • Est. 1964
Quick Facts
- Charter Number
- #61657
- Type
- State-Chartered
- Established
- 1964
- Headquarters
- Saginaw, Michigan 48608
- Address
- P.O. Box 6430
- Branches
- 10
- ATMs
- 9
- Members
- 21,554
- Membership Type
- Community
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Exceptionally well-capitalized with outstanding net worth ratio, very low delinquency, and strong earnings. One of the most financially sound credit unions in the country.
Financial Overview
Total Assets
Members
21,554 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | UNITED FINANCIAL |
|---|---|
| Total Assets | $342.9M |
| Members | 21,554 |
| Loans Outstanding | $213.6M |
| Shares & Deposits | $309.5M |
| Net Worth | $37.0M |
| Net Worth Ratio | 10.78% |
| Loan-to-Share Ratio | 69.0% |
| Delinquency Rate | 0.70% |
| Net Income | +$3,476,471 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
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.
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View Michigan RankingsFrequently Asked Questions
Yes. UNITED FINANCIAL is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, UNITED FINANCIAL has 21,554 members and a potential membership field of 9,584,261 people.
UNITED FINANCIAL's net worth ratio is 10.78% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 10.8%, UNITED FINANCIAL meets this threshold.
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 (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or UNITED FINANCIAL. All financial data is for informational purposes only.