Credit Union Safety Analysis
Is Unite Credit Union Safe? Cedar Falls, Iowa
Based on its Q2 2026 NCUA 5300 call report, Unite Credit Union has a net worth ratio of 11.82%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 3.42%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Unite Credit Union's net worth ratio is 11.82%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 11.82%
- Delinquency ratio (60+ days) (Q2 2026): 3.42%
- Return on assets (Q2 2026): 0.85%
- Loan-to-share ratio (Q2 2026): 49.54%
Unite Credit Union (NCUA charter 65071, established 1955) reported $23.6M in assets and 1,573 members for Q2 2026 from Cedar Falls, Iowa. It ranks 49 of 65 credit unions in Iowa by total assets. Total assets grew 6.2% from $22.3M on June 30, 2025. It has 6 fewer members than on June 30, 2025 (-0.4%). Its net worth ratio was down 0.06 percentage points from 11.88% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $6.6M of $10.2M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 3.42% is above the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 2,479 credit unions with under $100M in assets: 14.31%; middle half of peers: 11.14% to 19.38%.
Earlier filings: 11.66% for Q1 2026; 11.88% for Q2 2025.
Median of the 2,162 credit unions with under $100M in assets: 0.86%; middle half of peers: 0.35% to 1.93%.
Earlier filings: 0.46% for Q2 2025.
Median of the 2,477 credit unions with under $100M in assets: 0.72%; middle half of peers: 0.16% to 1.30%.
Earlier filings: -1.31% for Q1 2026; -0.46% for Q2 2025.
Median of the 2,470 credit unions with under $100M in assets: 58.92%; middle half of peers: 42.33% to 75.81%.
Earlier filings: 48.49% for Q1 2026; 44.60% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $6.6M
- Used vehicle loans: $1.4M
- New vehicle loans: $995K
- Other secured non-real estate loans and lines of credit: $530K
- Other unsecured loans and lines of credit: $470K
- Unsecured credit card loans: $206K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $23.6M | 11.82% | 3.42% | 0.85% | 49.54% |
| March 31, 2026 | $23.5M | 11.66% | — | -1.31% | 48.49% |
| December 31, 2025 | $22.7M | 12.40% | 1.59% | -0.61% | 49.06% |
| September 30, 2025 | $22.1M | 12.96% | 0.44% | 3.90% | 46.71% |
| June 30, 2025 | $22.3M | 11.88% | 0.46% | -0.46% | 44.60% |
| March 31, 2025 | $22.2M | 11.99% | 0.77% | -0.99% | 43.92% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Regulator records: NCUA credit union profile (charter 65071) · FFIEC NIC profile (RSSD 285991)
Frequently asked questions
Is Unite Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Unite Credit Union's net worth ratio is 11.82%, above the 7% NCUA threshold for well capitalized.
Is Unite Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Unite Credit Union is a federally insured credit union (NCUA charter 65071): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Unite Credit Union's key safety ratios?
For Q2 2026, Unite Credit Union reports net worth 11.82%, delinquency 3.42%, ROA 0.85%, loan-to-share 49.54%.
What happens to my money if Unite Credit Union fails?
For Q2 2026, Unite Credit Union held $20.7M in shares and deposits for 1,573 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.