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P.O. Box 2079
Warsaw, IN 46581

United CU (IN) is headquartered in Warsaw and is the 117st largest credit union in the state of Indiana. It is also the 4,360th largest credit union in the nation. It was established in 1973 and as of December of 2013, it had grown to 4 employees and 2,243 members. United CU (IN) has a B health rating.

Field of Membership Restrictions

United Credit Union has an array of ways in which someone is eligible for membership. For instance, if an individual is affiliated with one of several employers or churches on our eligibility listing, they are eligible for membership at United Credit Union. In addition, family members of existing members are eligible for UCU membership. - See Details

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Data for Q4 2013

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 CU (IN) has a low asset base.

Texas Ratio


The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 United CU (IN) had $63,000 in non-current loans and owned real-estate with $1.51 million in equity and loan loss allowances on hand to cover it. This gives United CU (IN) a Texas Ratio of 4.17% 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 CU (IN) decreased slightly from 4.95% as of December 31, 2012 to 4.17% as of December 31, 2013, resulting in a positive change of 15.82%.This indicates that the balance sheet and financial strength for United CU (IN) has improved slightly in recent periods.

Deposit Growth


In the past year, United CU (IN) has decreased its total deposits by $-260,000, resulting in -2.68% 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 CU (IN) has shown is below 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 CU (IN) has $10.91 million in assets with $1.51 million in equity, resulting in a capitalization level of 13.85%, which is excellent.

Institution Statistics

NCUA #68272
Year Chartered1973
Primary Regulator
Assets and Liabilities
Assets$10.91 million
Loans$5.29 million
Deposits$9.43 million
Equity Capital$1.45 million
Loan Loss Allowance$60,000
Unbacked Noncurrent Loans$63,000
Real Estate Owned$0
Historic Data - December 2012
Assets$11.18 million
Equity Capital$1.43 million
Loan Loss Allowance$64,000
Unbacked Noncurrent Loans$63,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin6.05%
Return on Assets0.19%
Return on Equity1.45%
Interest Income$370,000
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United CU (IN) Savings Account Rates

0.15%$10k-Regular Shares
0.15%--Christmas Club
0.15%--Vacation Club

United CU (IN) CD Rates

0.55%$10k-15 Month CD Special
0.50%--2 Year CD
0.25%--1 Year CD
0.20%--6 Month CD

United CU (IN) Locations
Branch Office1911 Plaza DrWarsaw, IN 46580-1210
Branch Office1911 Plaza DrWarsaw, IN 46580-1210