Charter 6288 · St Joseph, MI
United Federal Credit Union
United Federal Credit Union is a federally chartered credit union in St Joseph, Michigan, with $4.43 billion in assets and 191,845 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 11.94%, well above the 7% that NCUA's rules treat as well capitalized.
- Total assets
- $4.43 billion
- +5.2% in a year
- Members
- 191,845
- +0.2% in a year
- Net worth ratio
- 11.94%
- Peer median 10.79%
- Loans 60+ days late
- 0.71%
- Peer median 0.67%
- Loans outstanding
- $3.25 billion
- +5.0% in a year
- Shares and deposits
- $3.68 billion
- +6.6% in a year
- Branches
- 43
- 672 employees
- Opened
- 1949
- Federal charter
How United Federal Credit Union compares
NCUA groups credit unions by size; United Federal Credit Union is in the group with $500 million and up (759 credit unions). Its net worth ratio of 11.94% is higher than that group's median of 10.79%, and its share of loans 60 or more days past due, 0.71%, is about the same as the group median of 0.67%. Loans grew 5.0% over the year to Q2 2026, against a group median of 5.3% growth.
By assets it ranks 5 of 169 credit unions headquartered in Michigan. See all Michigan credit unions.
Five quarters of figures
| Quarter | Assets | Members | Loans | Net worth ratio | 60+ days late |
|---|---|---|---|---|---|
| Q2 2026 | $4.43 billion | 191,845 | $3.25 billion | 11.94% | 0.71% |
| Q1 2026 | $4.40 billion | 190,895 | $3.17 billion | 11.64% | 0.56% |
| Q4 2025 | $4.24 billion | 190,227 | $3.17 billion | 11.69% | 0.86% |
| Q3 2025 | $4.25 billion | 190,355 | $3.15 billion | 11.73% | 0.53% |
| Q2 2025 | $4.21 billion | 191,414 | $3.10 billion | 11.51% | 0.39% |
Assets Members
Who can join
The field of membership is the group a credit union is allowed to serve: people who live or work in an area, employees of certain companies, members of an association, and their families. The credit union's own website has the exact rules. On its call report it estimates its field of membership at about 479,613 potential members. It holds NCUA's low-income designation, which lets it accept non-member deposits and raise secondary capital.
Credit unions that anyone in the US can join
Locations
NCUA's branch file lists 44 sites for United Federal Credit Union; the first 40 are below. The branch count in the figures above comes from its call report, which is filed separately, so the two can differ slightly.
- Niles South - Branch 8
2100 S 11Th St, Niles, MI 49120 - Benton Harbor - Branch 4
724 E Napier Ave, Benton Harbor, MI 49022 - Northwest - Branch 17
980 Ambassador Dr, Reno, NV 89523 - Double R - Branch 16
10705 Double R Blvd, Reno, NV 89521 - Sparks - Branch 18
1430 E Prater Way, Sparks, NV 89434 - Bible Way - Branch 15
1170 Bible Way, Reno, NV 89502 - State Street St Joseph - Branch 22
2819 S State St, Saint Joseph, MI 49085 - Hendersonville - Branch 33
101 Jack St, Hendersonville, NC 28792 - Summit - Branch 27
13989 S Virginia St, Reno, NV 89511 - Carson City North - Branch 26
1350 E William St, Carson City, NV 89701 - Asheville - Branch 24
1441 Patton Ave, Asheville, NC 28806 - Carson City South - Branch 32
935 Jacks Valley Rd, Carson City, NV 89705 - Spanish Springs - Branch 31
2432 Wingfield Hills Rd, Sparks, NV 89436 - Edison Lakes - Branch 34
4840 N Main St, Mishawaka, IN 46545 - Ireland Road - Branch 36
223 W Ireland Rd, South Bend, IN 46614 - Promenade - Branch 39
2000 S Promenade Blvd Ste 103, Rogers, AR 72758 - Toscana Park - Branch 38
7514 Gumwood Rd, Granger, IN 46530 - Har-Ber Meadows - Branch 41
6706 W Sunset Ave, Springdale, AR 72762 - Hendersonville South - Branch 40
855 Spartanburg Hwy, Hendersonville, NC 28792 - Team United HQ - Hilltop (main office)
150 Hilltop Rd, Saint Joseph, MI 49085 - S Thompson - Branch 46
1910 S Thompson St, Springdale, AR 72764 - Bridgman - Branch 43
4509 Lake St, Bridgman, MI 49106 - Coloma - Branch 44
167 N Paw Paw St, Coloma, MI 49038 - Flat Rock Loan Office
2780 Greenville Hwy, Flat Rock, NC 28731 - Grand Rapids Beltline Mortgage Office
1600 E Beltline Ave Ne Ste 111, Grand Rapids, MI 49525 - New Buffalo Loan Office
207 N Whittaker St Ste B, New Buffalo, MI 49117 - St Joseph Loan Office
1111 Main St Ste B, Saint Joseph, MI 49085 - Allentown - Branch 52
4703 Hamilton Blvd, Allentown, PA 18103 - Minden - Branch 50
1647 Us Highway 395 N, Minden, NV 89423 - Battle Creek - Branch 49
25 Michigan Ave W Ste 140, Battle Creek, MI 49017 - Fernley - Branch 51
1035 Inglewood Dr Ste 100, Fernley, NV 89408 - Kalamazoo Mortgage Office
1822 W Milham Ave, Portage, MI 49024 - Buchanan - Branch 9
808 E Front St, Buchanan, MI 49107 - Stevensville - Branch 5
5611 Cleveland Ave, Stevensville, MI 49127 - Berrien Springs - Branch 6
9097 Us Highway 31, Berrien Springs, MI 49103 - Niles North - Branch 7
123 Sycamore St, Niles, MI 49120 - Holland North - Branch 11
12540 Riley St, Holland, MI 49424 - Holland South - Branch 12
1075 Washington Ave, Holland, MI 49423 - Marion - Branch 13
116 Eastlawn Dr, Marion, OH 43302 - Jenny Lind - Branch 1
8900 Jenny Lind Rd, Fort Smith, AR 72908
About these numbers
Figures come from the NCUA 5300 Call Report quarterly data for Q2 2026 (quarter ended June 30, 2026), which each credit union files itself. "60+ days late" is delinquent loans of two months or more divided by total loans. Peer medians are computed across every credit union in the same NCUA asset-size group. NCUA call report data · Methodology