UNITED FINANCIAL Credit Union Profile

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UNITED FINANCIAL

Charter #61657 | NCUA Region 1 | FISCU

Low-Income Designation: Yes

Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (989) 777-3620

Fax:

Founding Date: N/A

Website: https://www.unitedfinancialcu.org/

Personnel & Operations

President: Dankert, Luke

Manager: APPOLD, BARBARA

FT Employees: 59

PT Employees: 23

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 99

Branches: 10

Hours: Monday - Friday 9:00 am - 5:00 pm

Credit Union Profile Summary

UNITED FINANCIAL is a FISCU Credit Union. With a total of 21,397 members ^[1], this institution manages approximately $332,604,015 in total assets ^[1]. It proudly serves as a Low-Income Designated institution. Key financial indicators show a solid Net Worth Ratio of 10.79% ^[1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at 5.30% ^[1].

Financial Snapshot

Total Assets ^[1]

$332,604,015

Total economic resources.

Total Loans ^[1]

$205,698,356

Total value of outstanding loans.

Total Deposits ^[1]

$301,499,974

Total funds deposited by members.

Members ^[1]

21,397

Number of active members.

Performance Ratios

Net Worth Ratio ^[1]

10.79%

This is the credit union's safety cushion; 7.0% is the regulatory minimum. A higher ratio means the credit union is stable.

Return on Assets (ROAA) ^[1]

0.70%

Measures profitability. Shows profit generated per dollar of assets. Near 1.0% is considered strong.

Loan-to-Share Ratio ^[1]

68.22%

Measures lending activity using member deposits. Below 100% is generally healthy, balancing lending and liquidity.

Four-Quarter Growth

Asset Growth (4Q) ^[1]

↑ 4.77%

Indicates change in total size. Positive growth means the credit union is expanding its operations.

Loan Growth (4Q) ^[1]

↑ 5.30%

Shows change in lending activity. Positive growth means they are actively increasing their lending business.

Member Growth (4Q) ^[1]

↓ -3.63%

Indicates change in member count. Positive growth is a sign of a healthy, expanding member base.

Headquarters Location & Map

Headquarters Address

4685 State St

Saginaw, MI, 48603

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Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

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Branch Locations

Found 9 branches reported by UNITED FINANCIAL (Charter #61657).

Main Office

UNITED FINANCIAL CREDIT UNION Main Office

Type: Corporate Office

Type: Branch Office

5658 DIXIE HWY

Saginaw, MI 48601

Phone: (989) 777-3620

Services: Member Services, ATM, Drive-Thru

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