United Community Credit Union Quincy, Illinois
United Community Credit Union is a state-chartered credit union headquartered in Quincy, IL, established in 1941 (NCUA charter 60095), and it is regulated and insured by the NCUA. At Q2 2026 it reported 10,467 members and total assets of $134.1M (up 5.9% from Q2 2025), the 44th largest of 185 credit unions headquartered in Illinois. Its net worth ratio was 15.41% at Q2 2026, in the well capitalized band.
Also written as United Community CU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- State-chartered credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 60095
- Headquarters
- Quincy, IL
- Established
- 1941
- Total assets, Q2 2026
- $134.1M
- Assets vs Q2 2025
- +5.9%
- Members, Q2 2026
- 10,467
- Net worth ratio, Q2 2026
- 15.41%
- Latest call report
- Q2 2026, NCUA 5300 · United Community Credit Union call report
- Asset rank in state
- 44th of 185 in Illinois
- Routing number
- 281277364
- Branches
- 3
It has 126 more members than on June 30, 2025 (+1.2%). Its net worth ratio was up 0.10 percentage points from 15.31% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $44.9M of $101.2M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.40% is below the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026. Its 15.41% net worth ratio is above that band's 11.43% median.
Credit unions similar in size in Illinois
Credit unions merged into United Community Credit Union
Frequently asked about United Community Credit Union
How big is United Community Credit Union?
At Q2 2026 it reported total assets of $134.1M and 10,467 members.
Where is United Community Credit Union headquartered?
It is headquartered in Quincy, IL, United States.
When was United Community Credit Union founded?
It was established in 1941, per NCUA records.
Is United Community Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 60095): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates United Community Credit Union?
It is a state-chartered credit union, supervised by its state credit union regulator and by the NCUA, which insures its shares.
Is United Community Credit Union well capitalized?
Its net worth ratio was 15.41% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is United Community Credit Union's delinquency ratio?
Its delinquency ratio was 0.40% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is United Community Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 89.44% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Quincy, IL 62301
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1941
- NCUA Charter #
- 60095
- RSSD ID
- 368894
- Members
- 10,467
- Potential members
- 155,810
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 1,341 credit unions with $100M to $1B in assets, as of Q2 2026. It is in the top quartile on 2 of 7 ranked measures.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 13.58% | 15.41% | 11.43% | 86th top |
| Return on assets Middle half of peers: 0.43% to 1.23% | 1.15% | 0.81% | 70th above |
| Return on equity Middle half of peers: 3.87% to 9.84% | 7.49% | 7.02% | 54th above |
| Net interest margin Middle half of peers: 3.30% to 4.10% | 4.11% | 3.70% | 75th top |
| Efficiency ratio Middle half of peers: 68.90% to 83.49% | 73.72% | 76.55% | 59th above |
| Cost of funds Middle half of peers: 0.92% to 1.56% | 1.05% | 1.24% | 65th above |
| Delinquency ratio Middle half of peers: 0.39% to 1.12% | 0.40% | 0.68% | 74th above |
| Yield on assets Middle half of peers: 4.53% to 5.37% | 5.16% | 4.92% | 63rd position only |
| Loan-to-share ratio Middle half of peers: 62.05% to 86.41% | 89.44% | 75.66% | 81st position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$134.1M total assets against $126.6M; $113.2M total shares and deposits against $106.9M; $101.2M total loans against $93.7M.
$20.7M net worth against $19.4M.
15.41% net worth ratio against 15.31%.
89.44% loan-to-share ratio against 87.68%.
0.40% delinquency ratio against 0.26%.
1.15% return on assets against 0.86%; 7.49% return on equity against 5.65%.
4.11% net interest margin against 3.86%.
10,467 members against 10,341.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 15.41% | 1.15% | 0.40% | 89.44% |
| March 31, 2026 | 15.32% | 0.96% | 0.46% | 89.62% |
| December 31, 2025 | 15.66% | 0.87% | 0.51% | 92.61% |
| September 30, 2025 | 15.75% | 1.01% | 0.38% | 91.89% |
| June 30, 2025 | 15.31% | 0.86% | 0.26% | 87.68% |
| March 31, 2025 | 14.90% | 1.05% | 0.21% | 83.67% |
Scroll sideways to see every column.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.