UNITED FINANCIAL
Saginaw, MI · State Credit Union · Chartered in MI
Who can join
State government employees (special charter)
Members
21,710
Net Worth Ratio
10.74%
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
$350.3M
Peer Group 5
Members
21,710
as of latest quarter
Net Worth Ratio
10.74%
Well Capitalized
Institution Profile
NCUAWebsite
Phone
Address
Chartered
Branch Locations
Membership Eligibility
Financial Snapshot
Total Assets
$350.3M
Total Shares
$316.6M
Total Loans
$214.0M
Net Worth Ratio
10.74%
≥7% = Well Capitalized
Members
21,710
Delinquency Rate (60d+)
0.21%
$456K
Loan-to-share ratio: 67.6%· healthy range 60–80%
Branch Locations
NCUAUNITED FINANCIAL CREDIT UNION
4685 State St, Saginaw, MI, 48603
Monday - Friday 9:00 am - 5:00 pm
UNITED FINANCIAL CREDIT UNION
6310 Dixie Hwy, Bridgeport, MI, 48722-9566
Monday - Friday 9:00 am - 5:00 pm
UNITED FINANCIAL CREDIT UNION
4685 STATE ST, SAGINAW, MI, 48603
Monday - Friday 9:00 am - 5:00 pm
UNITED FINANCIAL CREDIT UNION
7600 MIDLAND RD, FREELAND, MI, 48623
Monday - Friday 9:00 am - 5:00 pm
UNITED FINANCIAL CREDIT UNION
1026 W Midland Rd, AUBURN, MI, 48611
Monday - Friday 9:00 am - 5:00 pm
UNITED FINANCIAL CREDIT UNION
2510 Weiss St, Saginaw, MI, 48602
Monday - Friday 9:00 am - 5:00 pm
United Financial Credit Union
1720 Brady St, Chesaning, MI, 48616
Monday - Friday 9:00 am - 5:00 pm
United Financial Credit Union Frankenlust Office
6354 Westside Saginaw Rd, Bay City, MI, 48706-9394
Monday - Friday 9:00 am - 5:00 pm
UNITED FINANCIAL/DIXIE HWY
6310 Dixie Hwy, Bridgeport, MI, 48722
Monday - Friday 9:00 am - 5:00 pm
United Financial Credit Union Pinconning Branch
3858 N Huron Rd, Pinconning, MI, 48650-7912
Monday - Friday 9am - 5pm
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-financial" target="_blank" rel="noopener">View UNITED FINANCIAL on Bank Scorer</a>Data sourced from NCUA 5300 Call Report and branch data. Updated quarterly.