credit union

United

St Joseph, MI · Est. 1949
A
Trust Grade
Excellent
Score: 96/100

United is a credit union based in St Joseph, Michigan, established in 1949, with $4.4 billion in total assets serving 190,895 members. By Trust Grade it ranks 53rd of 170 credit unions we track in Michigan. Its net worth ratio of 11.6% is stronger than 66% of similarly sized credit unions, versus a Michigan median of 11.7%. It was profitable over the most recent period, with a 1.53% return on assets. No consumer complaints against United appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.

Total assets
$4.4B
$1B–10B institution
Members
190,895
Shares & deposits
—
Net worth ratio
11.6%
Top 34% of $1B–10B peers · Michigan median 11.7%
Return on assets
1.5%
Top 6% of $1B–10B peers · Michigan median 0.79%
Rank in Michigan
#53
of 170 credit unions

How United compares to Michigan peers

Net worth ratio
Top 34% of $1B–10B peers
United
11.6%
Michigan median
11.7%
Higher capital ratio = stronger financial cushion
Return on assets
Top 6% of $1B–10B peers
United
1.5%
Michigan median
0.8%
Higher ROA = more profitable relative to asset base

How we graded United

The Trust Grade blends financial strength with complaint history. Full methodology →

Financial strength
96/100
Customer experience
n/a
Overall
A · 96
  • Strongly capitalized (11.6% capital ratio)
  • Strongly profitable (ROA 1.53%)
  • No CFPB complaints on record

Consumer complaints (CFPB)

No CFPB complaints are on file for United over the analysis window. For a smaller institution this is common and counts in its favor.

Are deposits at United insured?

Yes. United is an NCUA-insured credit union. Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.

United: frequently asked questions

Is United a good credit union?

United earns a Bankzia Trust Grade of A (96/100, "Excellent"), based on a financial-strength score of 96/100 (it has no CFPB complaints on record). Strongly capitalized (11.6% capital ratio); Strongly profitable (ROA 1.53%).

Is United NCUA-insured?

Yes. United is a NCUA-insured credit union. Deposits are protected up to the standard NCUA limit of $250,000 per depositor, per ownership category.

How big is United?

United holds $4.4 billion in total assets, ranking 53rd of 170 credit unions we track in Michigan. It serves 190,895 members.

Does United have CFPB complaints?

No CFPB complaints against United appear in our data over the analysis window, which is typical for a credit union of this size.

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Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.

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