UNITED Credit Union Profile

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UNITED

Charter #63597 | NCUA Region 3 | FISCU

Low-Income Designation: Yes

Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (573) 581-8651

Fax: (573) 581-1436

Founding Date: N/A

Website: http://www.unitedcu.org

Personnel & Operations

President: Donovan, Patrick

Manager: Sadler, Brent

FT Employees: 91

PT Employees: 9

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 99

Branches: 7

Hours: 9:00-4:00;

Credit Union Profile Summary

UNITED is a FISCU Credit Union. With a total of 28,306 members ^[1], this institution manages approximately $305,134,729 in total assets ^[1]. It proudly serves as a Low-Income Designated institution. Key financial indicators show a solid Net Worth Ratio of 14.2% ^[1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at -6.91% ^[1].

Financial Snapshot

Total Assets ^[1]

$305,134,729

Total economic resources.

Total Loans ^[1]

$187,044,104

Total value of outstanding loans.

Total Deposits ^[1]

$261,614,868

Total funds deposited by members.

Members ^[1]

28,306

Number of active members.

Performance Ratios

Net Worth Ratio ^[1]

14.2%

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]

0.80%

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

Loan-to-Share Ratio ^[1]

71.50%

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

Four-Quarter Growth

Asset Growth (4Q) ^[1]

↑ 11.53%

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

Loan Growth (4Q) ^[1]

↓ -6.91%

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

Member Growth (4Q) ^[1]

↑ 0.92%

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

Headquarters Location & Map

Headquarters Address

802 E Breckenridge St

Mexico, MO, 65265

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Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

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Branch Locations

Found 7 branches reported by UNITED (Charter #63597).

Main Office

Operations Main Office

Type: Corporate Office

Type: Branch Office

210 W Washington St

Vandalia, MO 63382

Phone: (573) 594-6103

Services: Member Services, ATM, Drive-Thru

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