UNITED
Federal • Saint Joseph, Michigan • Est. 1949
Quick Facts
- Charter Number
- #6288
- Type
- Federal
- Established
- 1949
- Headquarters
- Saint Joseph, Michigan 49085-2381
- Address
- 150 Hilltop Rd
- Branches
- 44
- ATMs
- 40
- Members
- 190,895
- 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
190,895 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | UNITED |
|---|---|
| Total Assets | $4.4B |
| Members | 190,895 |
| Loans Outstanding | $3.2B |
| Shares & Deposits | $3.6B |
| Net Worth | $512.8M |
| Net Worth Ratio | 11.64% |
| Loan-to-Share Ratio | 87.4% |
| Delinquency Rate | 0.56% |
| Net Income | +$16,842,366 |
Source: Q1 2026 NCUA Call Report • Reporting date: 3/31/2026
Branch Locations
44 locations · 40 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.
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 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 has 190,895 members and a potential membership field of 477,238 people.
UNITED's reported net worth ratio is 11.64% 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 operates 44 branch locations and has access to 40 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 (Q1 2026). CUScore is an independent directory and is not affiliated with the NCUA or UNITED. All financial data is for informational purposes only.