United Equity Credit Union Decatur, Illinois
United Equity Credit Union is a state-chartered credit union headquartered in Decatur, IL, established in 1900 (NCUA charter 81688), and it is regulated and insured by the NCUA. At Q2 2026 it reported 5,645 members and total assets of $66.2M (down 6.6% from Q2 2025), the 62nd largest of 185 credit unions headquartered in Illinois. Its net worth ratio was 18.66% at Q2 2026, in the well capitalized band.
Also written as United Equity CU
BankRegReports is independent of United Equity Credit Union and never asks for online banking logins or passwords.
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
- 81688
- Headquarters
- Decatur, IL
- Established
- 1900
- Total assets, Q2 2026
- $66.2M
- Assets vs Q2 2025
- -6.6%
- Members, Q2 2026
- 5,645
- Net worth ratio, Q2 2026
- 18.66%
- Latest call report
- Q2 2026, NCUA 5300 · United Equity Credit Union call report
- Asset rank in state
- 62nd of 185 in Illinois
- Routing number
- 271176909
- Branches
- 2
It has 604 fewer members than on June 30, 2025 (-9.7%). Its net worth ratio was up 2.60 percentage points from 16.06% on June 30, 2025. Used vehicle loans are its largest loan category, $14.0M of $38.9M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.23% is below the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026. Its 18.66% net worth ratio is above that band's 14.31% median.
Credit unions similar in size in Illinois
Credit unions merged into United Equity Credit Union
Decatur Medical Dental Credit Union (2024) · Adm Credit Union (2022)
Frequently asked about United Equity Credit Union
How big is United Equity Credit Union?
At Q2 2026 it reported total assets of $66.2M and 5,645 members.
Where is United Equity Credit Union headquartered?
It is headquartered in Decatur, IL, United States.
When was United Equity Credit Union founded?
It was established in 1900, per NCUA records.
Is United Equity Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 81688): 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 Equity 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 Equity Credit Union well capitalized?
Its net worth ratio was 18.66% 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 Equity Credit Union's delinquency ratio?
Its delinquency ratio was 0.23% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is United Equity Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 72.50% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Decatur, IL 62526
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1900
- NCUA Charter #
- 81688
- RSSD ID
- 305198
- Members
- 5,645
- Potential members
- 20,000
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 2,479 credit unions with under $100M in assets, as of Q2 2026. It is in the top quartile on 4 of 7 ranked measures.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 18.66% | 14.31% | 71st above |
| Return on assets Middle half of peers: 0.16% to 1.30% | 1.55% | 0.72% | 82nd top |
| Return on equity Middle half of peers: 1.04% to 8.69% | 8.31% | 4.74% | 73rd above |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 5.03% | 3.93% | 87th top |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 63.07% | 79.83% | 82nd top |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 0.62% | 0.78% | 60th above |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | 0.23% | 0.86% | 83rd top |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 5.66% | 4.70% | 82nd position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 72.50% | 58.92% | 70th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$66.2M total assets against $70.9M; $53.7M total shares and deposits against $59.3M; $38.9M total loans against $43.0M.
$12.4M net worth against $11.4M.
18.66% net worth ratio against 16.06%.
72.50% loan-to-share ratio against 72.57%.
0.23% delinquency ratio against 0.93%.
1.55% return on assets against 1.48%; 8.31% return on equity against 9.24%.
5.03% net interest margin against 4.62%.
5,645 members against 6,249.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 18.66% | 1.55% | 0.23% | 72.50% |
| March 31, 2026 | 17.97% | 1.77% | 0.44% | 70.76% |
| December 31, 2025 | 17.36% | 0.39% | 0.51% | 71.91% |
| September 30, 2025 | 17.04% | 2.04% | 0.88% | 72.22% |
| June 30, 2025 | 16.06% | 1.48% | 0.93% | 72.57% |
| March 31, 2025 | 15.52% | 1.13% | 1.21% | 71.89% |
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.