UNITED FINANCIAL

Saginaw, MI · State Credit Union · Chartered in MI

LICUWell Capitalized

Who can join

State government employees (special charter)

Charter #61657Est. 1964RSSD: 959797

Compare

Members

21,710

Net Worth Ratio

10.74%

min. 7% = Well Capitalized

Contact & Details

NCUA

Website

www.unitedfinancialcu.org

Phone

9897773620

Address

P.O. Box 6430, Saginaw, MI 48608

Branch Locations

10 locations

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.

Financial Snapshot

As of Q1 2026NCUA 5300 Call Report

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%

AssetsLoans 61.1% · Other 38.9%

Mortgage Lending (HMDA)

CFPB HMDA

Year	Applications	Originated	Denials	Orig. Rate	Denial Rate
2023	268	129	31	48.1%	11.6%
2022	210	117	30	55.7%	14.3%
2021	318	215	26	67.6%	8.2%

View full HMDA data on CFPB →Search mortgage lenders →

Consumer Complaints

CFPB

Last 12 Months

Since 2018

all complaints on record

Monetary Relief

% of complaints with monetary relief

Untimely Response

10%

% exceeding 15-day window

Monthly Complaints (2021–present)

Data through Jun 2026.Last 12 months shown — upgrade for full history.