Charter 61657 · Saginaw, MI
United Financial Credit Union
United Financial Credit Union is a state-chartered credit union in Saginaw, Michigan, with $360 million in assets and 21,552 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 10.73%, well above the 7% that NCUA's rules treat as well capitalized.
- Total assets
- $360 million
- +8.3% in a year
- Members
- 21,552
- +0.7% in a year
- Net worth ratio
- 10.73%
- Peer median 11.65%
- Loans 60+ days late
- 1.03%
- Peer median 0.70%
- Loans outstanding
- $218 million
- +6.0% in a year
- Shares and deposits
- $326 million
- +8.0% in a year
- Branches
- 10
- 82 employees
- Opened
- 1964
- Michigan charter
How United Financial Credit Union compares
NCUA groups credit unions by size; United Financial Credit Union is in the group with $100 million to $500 million (1,061 credit unions). Its net worth ratio of 10.73% is lower than that group's median of 11.65%, and its share of loans 60 or more days past due, 1.03%, is higher than the group median of 0.70%. Loans grew 6.0% over the year to Q2 2026, against a group median of 2.9% growth.
By assets it ranks 57 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 | $360 million | 21,552 | $218 million | 10.73% | 1.03% |
| Q1 2026 | $350 million | 21,710 | $214 million | 10.74% | 0.40% |
| Q4 2025 | $343 million | 21,554 | $214 million | 10.78% | 0.70% |
| Q3 2025 | $339 million | 21,599 | $210 million | 10.73% | 0.65% |
| Q2 2025 | $333 million | 21,397 | $206 million | 10.79% | 0.72% |
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 9.6 million 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 10 sites for United Financial Credit Union. The branch count in the figures above comes from its call report, which is filed separately, so the two can differ slightly.
- UNITED FINANCIAL/DIXIE HWY
6310 Dixie Hwy, Bridgeport, MI 48722 - UNITED FINANCIAL CREDIT UNION
6310 Dixie Hwy, Bridgeport, MI 48722 - UNITED FINANCIAL CREDIT UNION
4685 State St, Saginaw, MI 48603 - UNITED FINANCIAL CREDIT UNION
7600 Midland Rd, Freeland, MI 48623 - UNITED FINANCIAL CREDIT UNION
1026 W Midland Rd, Auburn, MI 48611 - UNITED FINANCIAL CREDIT UNION (main office)
4685 State St, Saginaw, MI 48603 - UNITED FINANCIAL CREDIT UNION
2510 Weiss St, Saginaw, MI 48602 - United Financial Credit Union
1720 Brady St, Chesaning, MI 48616 - United Financial Credit Union Frankenlust Office
6354 Westside Saginaw Rd, Bay City, MI 48706 - United Financial Credit Union Pinconning Branch
3858 N Huron Rd, Pinconning, MI 48650
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