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Overview / Commentary
1001 Vermont St
Quincy, IL 62301

United Community Credit Union is headquartered in Quincy and is the 59th largest credit union in the state of Illinois. It is also the 1,955th largest credit union in the nation. It was established in 1941 and as of March of 2014, it had grown to 26 employees and 7,741 members. United Community Credit Union's savings rates are 15% higher than the national average, and it has a B health rating.

Field of Membership Restrictions

Individuals living or working in the counties of Adams, Brown, Hancock, Pike, and Schuyler in Illinois and individuals living or working in Lewis, Marion, & Ralls counties in Missouri are eligible to join our credit union. Any employee who works at one of our select employee groups is also able to belong. Our eligible employee groups are listed under Membership Information. - See Details

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Data for Q1 2014

Institution Health

Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. United Community Credit Union has a relatively low asset base.

Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 United Community Credit Union had $425,000 in non-current loans and owned real-estate with $5.1 million in equity and loan loss allowances on hand to cover it. This gives United Community Credit Union a Texas Ratio of 8.34% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for United Community Credit Union decreased dramatically from 12.53% as of March 31, 2013 to 8.34% as of March 31, 2014, resulting in a positive change of 33.47%.This indicates that the balance sheet and financial strength for United Community Credit Union has improved dramatically in recent periods.

Deposit Growth


In the past year, United Community Credit Union has increased its total deposits by $286,000, resulting in 0.46% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth United Community Credit Union has shown is above average.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. United Community Credit Union has $67.52 million in assets with $5.1 million in equity, resulting in a capitalization level of 7.55%, which is below average.

Institution Statistics

NCUA #60095
Year Chartered1941
Primary Regulator
Assets and Liabilities
Assets$67.52 million
Loans$48.32 million
Deposits$62.56 million
Equity Capital$4.82 million
Loan Loss Allowance$278,000
Unbacked Noncurrent Loans$265,000
Real Estate Owned$160,000
Historic Data - March 2013
Assets$66.65 million
Equity Capital$4.27 million
Loan Loss Allowance$288,000
Unbacked Noncurrent Loans$265,000
Real Estate Owned$157,000
Profit Margin - Quarterly
Net Interest Margin1.29%
Return on Assets0.85%
Return on Equity11.95%
Interest Income$707,000
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United Community Credit Union Savings Account Rates

0.60%$15k-Roth IRA Share Savings
0.60%$15k-Educational IRA Share Savings
0.60%$15k-Traditional IRA Shares
0.05%$15k-Vacation Club Savings
0.05%$15k-Christmas Club Savings
0.05%$15k-Special Share Savings
0.05%$15k-Primary Share Savings

United Community Credit Union CD Rates

1.10%$1k-60 Month CD
0.96%$1k-48 Month CD
0.70%$1k-36 Month CD
0.40%$1k-24 Month CD
0.20%$1k-12 Month CD
0.15%$1k-6 Month CD

United Community Credit Union IRA Rates

1.61%$1k-60 Month IRA
1.25%$1k-48 Month IRA
1.00%$1k-36 Month IRA
0.76%$1k-24 Month IRA
0.50%$1k-12 Month IRA

United Community Credit Union Locations
Branch Office3200 Wisman LnQuincy, IL 62301
Branch Office1001 Vermont StQuincy, IL 62301
Branch Office1420 Harrison StQuincy, IL 62301
Branch Office3633 Maine StQuincy, IL 62305
Branch Office109 Lindsey DrHannibal, MO 63401