Overview / Commentary
1130 E Pershing Rd
Decatur, IL 62524

United Equity Credit Union is headquartered in Decatur and is the 79th largest credit union in the state of Illinois. It is also the 2,567th largest credit union in the nation. It was established in 1899 and as of June of 2018, it had grown to 10 employees and 3,823 members at 2 locations. United Equity Credit Union has a B health rating.

Field of Membership Restrictions

Membership is open to employees of Ameren IP, Amergen Energy Co. LLC’s Clinton Power Station, Dynegy Midwest Generation (excluding Hennepin Power Station employees), Decatur Firefighters, DCC Marketing, Network Solutions, Action Income Tax, Decatur Computers, Harvey Brothers Electric, Decatur Family YMCA, Marty’s Tire Center, Family Eyecare, Fleener & Roberts Automotive, Yemm Chevrolet-Chrysler-Buick-Jeep, Inc., Foster Financial Services, Romano and Co.
See current membership details


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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. United Equity Credit Union has a low asset base.

Health Grade Components

NCUA #81688
Year Chartered1899
Primary Regulator
Profit Margin
Return on Assets - YTD0.46%
Return on Equity - YTD3.99%
Annual Interest Income$656.00K
Assets and Liabilities
AssetsQ2 2018vs Q2 2017$40.3MM$41.2MM
LoansQ2 2018vs Q2 2017$19.9MM$19.9MM
DepositsQ2 2018vs Q2 2017$35.6MM$36.7MM
Equity CapitalQ2 2018vs Q2 2017$4.6MM$4.4MM
Loan Loss AllowanceQ2 2018vs Q2 2017$110.00K$98.00K
Unbacked Noncurrent LoansQ2 2018vs Q2 2017$207.00K$179.00K
Real Estate OwnedQ2 2018vs Q2 2017$0$15.00K

Rates for United Equity Credit Union are currently being reviewed.


United Equity Credit Union Locations
Branch Office687 Lincoln StGalesburg, IL 61401
Corporate Office1130 E Pershing RdDecatur, IL 62526

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