UNITED
Federal • St Joseph, Michigan • Est. 1949
Quick Facts
- Charter Number
- #6288
- Type
- Federal
- Established
- 1949
- Headquarters
- St Joseph, Michigan 49085
- Address
- 150 Hilltop Road
- Branches
- 45
- ATMs
- 41
- Members
- 190,227
- 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
190,227 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | UNITED |
|---|---|
| Total Assets | $4.2B |
| Members | 190,227 |
| Loans Outstanding | $3.2B |
| Shares & Deposits | $3.5B |
| Net Worth | $496.0M |
| Net Worth Ratio | 11.69% |
| Loan-to-Share Ratio | 90.9% |
| Delinquency Rate | 0.86% |
| Net Income | +$65,519,071 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
45 locations · 41 ATMs
Buchanan - Branch 9
808 E Front St
Buchanan, MI 49107-1444
Stevensville - Branch 5
5611 Cleveland Ave
Stevensville, MI 49127-8612
Berrien Springs - Branch 6
9097 US Highway 31
Berrien Springs, MI 49103
Niles North - Branch 7
123 Sycamore St
Niles, MI 49120-2244
Holland North - Branch 11
12540 Riley St
Holland, MI 49424-8217
Who Can Join UNITED?
Membership Type: Community
Membership eligibility for UNITED may vary. Contact the credit union directly to confirm qualification requirements.
Contact UNITED 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 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 has 190,227 members and a potential membership field of 475,568 people.
UNITED's net worth ratio is 11.69% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 11.7%, UNITED meets this threshold.
UNITED operates 45 branch locations and has access to 41 ATMs. The main office is located at 150 Hilltop Rd, Saint Joseph, MI 49085-2381.
UNITED was established in 1949. It is a federal credit union chartered under charter number 6288. The institution has been serving members for 77 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. All financial data is for informational purposes only.