UNITE Credit Union Profile

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UNITE

Charter #65071 | NCUA Region 3 | FISCU
Low-Income Designation: Yes
Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (319) 273-2479

Fax: (319) 266-3761

Founding Date: N/A

Website: http://www.unite-cu.org

Personnel & Operations

President: Pohl, Gayle

Manager: Reyes, Miguel

FT Employees: 5

PT Employees: 0

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 99

Branches: 2

Hours: M Tu Th F 8:30-5 Wed 9:30-5

Credit Union Profile Summary

UNITE is a FISCU Credit Union. With a total of 1,579 members [1], this institution manages approximately $22,260,264 in total assets [1]. It proudly serves as a Low-Income Designated institution. Key financial indicators show a solid Net Worth Ratio of 11.88% [1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at 13.90% [1].

Financial Snapshot

Total Assets [1]
$22,260,264

Total economic resources.

Total Loans [1]
$8,727,029

Total value of outstanding loans.

Total Deposits [1]
$19,565,996

Total funds deposited by members.

Members [1]
1,579

Number of active members.

Performance Ratios

Net Worth Ratio [1]
11.88%

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]
-0.73%

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

Loan-to-Share Ratio [1]
44.60%

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

Four-Quarter Growth

Asset Growth (4Q) [1]
↑ 1.57%

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

Loan Growth (4Q) [1]
↑ 13.90%

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

Member Growth (4Q) [1]
↓ -3.37%

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

Headquarters Location & Map

Headquarters Address

403 Washington St

Cedar Falls, IA, 50613
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Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

0

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Branch Locations

Found 2 branches reported by UNITE (Charter #65071).

Main Office

Unite Credit Union Main Office

Type: Corporate Office

802 W 29th St

Cedar Falls, IA 50613-5022

Phone: (319) 273-2479

Services: Member Services, ATM, Drive-Thru

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Additional Branches

Cedar Falls

Cedar Falls Community Credit Union

Type: Branch Office

420 Viking Rd

Cedar Falls, IA 50613

Phone: (319) 277-3690

Services: None specified

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