UNITED
St Joseph, MI · Federal Credit Union · Chartered in MI
Who can join
Select employee groups
Members
190,895
Net Worth Ratio
11.64%
min. 7% = Well Capitalized
Credit unions are exempt from CRA. The Community Reinvestment Act applies only to FDIC-insured banks and thrifts. Credit unions are regulated by NCUA and evaluated under a separate safety and soundness framework.
At a Glance
Total Assets
$4.40B
Peer Group 6
Members
190,895
as of latest quarter
Net Worth Ratio
11.64%
Well Capitalized
Institution Profile
NCUAWebsite
Phone
Address
Chartered
Branch Locations
Membership Eligibility
Financial Snapshot
Total Assets
$4.40B
Total Shares
$3.62B
Total Loans
$3.17B
Net Income
$16.8M
Net Worth Ratio
11.64%
≥7% = Well Capitalized
Members
190,895
Return on Assets
0.38%
annualized · >0.5% healthy
Delinquency Rate (60d+)
0.42%
$13.2M
Loan-to-share ratio: 87.4%· healthy range 60–80%
Branch Locations
NCUATeam United HQ - Hilltop
150 Hilltop Rd, Saint Joseph, MI, 49085-2381
M-F 8:30 am to 5:00 pm
Stevensville - Branch 5
5611 Cleveland Ave, Stevensville, MI, 49127-8612
M-Th 9-5 Fri 9-5:30 Sat 9-12 Drive Thru Only
Berrien Springs - Branch 6
9097 US Highway 31, Berrien Springs, MI, 49103
M-Th 9-5 Fri 9-5:30
Niles North - Branch 7
123 Sycamore St, Niles, MI, 49120-2244
M-Th 9-5 Fri 9-5:30 Sat 9-12 Drive Thru Only
Holland North - Branch 11
12540 Riley St, Holland, MI, 49424-8217
M-Th 9-5 Fri 9-5:30 Sat 9-12
Holland South - Branch 12
1075 Washington Ave, Holland, MI, 49423-5216
M-Th 9-5 Fri 9-5:30 Sat 9-12
Marion - Branch 13
116 Eastlawn Dr, Marion, OH, 43302
M-Th 9-5 Drive Thru 8:30-5:30 Fri 9-5:30 Drive Thru 8:30-6 Saturday 9-12 Drive Thru - 8:30-12
Jenny Lind - Branch 1
8900 Jenny Lind Rd, Fort Smith, AR, 72908-8628
M-Th 9-5 Fri 9-5:30 Sat 9-12 Drive Thru Only
Rogers Avenue - Branch 2
5800 Rogers Ave, Fort Smith, AR, 72903-3838
M-Th 9-5 Fri 9-5:30 Sat 9-12 Drive Thru Only
Van Buren - Branch 3
1924 Fayetteville Rd, Van Buren, AR, 72956-6509
M-Th 9-5 Fri 9-5:30 Sat 9-12 Drive Thru Only
34 more locations not shown.
Mortgage Lending (HMDA)
Credit unions that originate mortgages report Home Mortgage Disclosure Act (HMDA) data to the CFPB. This data covers application volumes, approvals, denials, and borrower demographics.
Consumer Complaints
No CFPB complaint data available for this credit union.
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<a href="https://bankscorer.com/credit-union/united" target="_blank" rel="noopener">View UNITED on Bank Scorer</a>Data sourced from NCUA 5300 Call Report and branch data. Updated quarterly.