# UNITY
WARREN, MI · NCUA charter 62362 · asset band $50-100M · latest filing 2021-06 · stopped filing after 2021-06 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/unity-62362

Who the members are: state charter, organized 1954, low-income designated. 3,444 members of 20,000 potential (17.2% of the field); checking penetration 39% (share draft accounts per 100 members); loans per 100 members 21.

**Verdict on the desk:** this could be *stressed*. Composite score 5 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $59.1M |
| Members | 3,444 (-7.0% YoY) |
| Full-time staff | 8 |
| Net worth | $8.7M |
| Net worth ratio | 14.8% (p86 of band) |
| ROA (annualized) | 0.12% (p21 of band) |
| Total delinquency | 1.60% (p94 of band) |
| Net charge-offs (annualized) | 0.35% (p80 of band) |
| Loans / shares | 19% (p2 of band) |
| Cash / assets | 11.8% |
| Borrowings / assets | 0.00% |
| Net interest margin | 1.58% (p6 of band) |
| Operating expense / assets | 1.65% (p5 of band) |
| Vehicles % of loans | 37% (p39 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p30 of band) |
| Vehicle delinquency | 3.37% (p99 of band) |
| Vehicle NCO | 1.26% (p96 of band) |
| Repossessed % of vehicle book | 0.00% (p41 of band) |
| Real estate % of loans | 21% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 18% |
| Commercial % of net worth | 9% |
| Core shares % of member funds | 70% |
| Certificates % of member funds | 3% |
| Average share balance | $9,058 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 21% |
| Loans granted per 100 members, annualized | 7% |
| Average loan balance | $13,011 |
| Loans granted, annualized | $4.7M |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **margin squeeze** (`earn_nim_squeeze`)
- **delinquency 2x band** (`aq_dq_high`)
- **delinquency rising** (`aq_dq_rising`)
- **members leaving** (`shrink_members`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 2 | net worth falling, members leaving |  |
| 2017-06 | 2 | delinquency rising | net worth falling |
| 2017-09 | 3 | delinquency 2x band |  |
| 2017-12 | 4 | loan book shrinking |  |
| 2018-03 | 2 |  | delinquency rising, delinquency 2x band |
| 2018-06 | 1 |  | loan book shrinking |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 3 | delinquency 2x band, delinquency rising |  |
| 2019-12 | 4 | loan book shrinking |  |
| 2020-03 | 2 |  | delinquency 2x band, delinquency rising |
| 2020-06 | 2 | net worth falling | loan book shrinking |
| 2020-09 | 4 | margin squeeze, delinquency 2x band, charge-offs p90 | net worth falling |
| 2020-12 | 3 |  | charge-offs p90 |
| 2021-03 | 4 | delinquency rising |  |
| 2021-06 | 5 | net worth falling |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-06-20 [Boys & Girls Clubs plan Unity Day with support from United Federal Credit Union - moodyonthemarket.com](https://news.google.com/rss/articles/CBMisAFBVV95cUxOSkx5QzV3bVhfekUzM2JrenR4ZDY1c2xrcFBmS3ljVUl2T2tBWnFTdDhvcjhkemp0T05ydnJuYlFUSXY4a3E1ZzRscE1MYlVqZFBUcnJMd3ZkT1ZQaTJjV1pZVy1Tb0xEbktiM0F2Yy1BMTg5TTc2SFQ2ejlkeTd0QjVrRjBXQUJ6VUwxMFE3SjZxOG9xV3QwTC1CeGpIRzdkNlV3S2UtMC1LcjFnUHZ1OQ?oc=5) · moodyonthemarket.com
- 2026-07-23 [Boys & Girls Club of Greater Southwest Michigan celebrates Unity Day - WSBT](https://news.google.com/rss/articles/CBMisAJBVV95cUxNa2VtRHp6QTFEdllFX1pUNHBBai04TUxjMEE3WWUtRG1ZaWtHUk9MSlZja3lVRmpWMnQzd05xa0s1eXpvdUQ2bWc4RHZjcVFMd0RZOEl0emZnVE45UmR3RmVVLVZ1OW0tdTJNQ1Mydmtjc09IMC1kZVA4a1BaVXhNZlE0QXJCZUdWX05Xbnh4SDJqcWRuTHFHM0hpdF9wYkdTMFhBUGlUWVJhVE5sZGRNU3JkdXY3dmdBY0FwdHZ0NnI4SXBMbUtnQjBPUEFmNWVZd0Raaks4TGVZREd1alY3UkszbnNyOVZRWVB3SGxoRmtVd2ZkR2V4SDRUTTNHbmloUlJIS01la2N3UjBFdElFbXdweTFSdzRfVnF4Rms4WGJhcU1MeDI4YlpyaDNGdXEz?oc=5) · WSBT
- 2026-07-23 [Boys and Girls Club Unity Day draws record attendance in Benton Harbor - WNDU](https://news.google.com/rss/articles/CBMipAFBVV95cUxQejZEZVl5TVFnenc4UHI4aHdPeTNQNFZwLVJfUDdaUm5McTVVMDRnQVpNdmxaMHFzRFRtTWhWMzlzOFd0UC1jdHpNLTkyaVlDWGdRc1dhQkVKRTdYa0FZVkoxYTl4VXdtSVIxTXdDMGZXbnVtV21PVlpLT0dTVjExSVZZbFhxbUJKQmNEMmV1VWlBeG5yRUJJbjVSZTFkcE5qVlJzQQ?oc=5) · WNDU
- 2026-04-01 [Community Development Financial Institutions: What and Where They Are - NerdWallet](https://news.google.com/rss/articles/CBMingFBVV95cUxQeHIyZG5ZOXZPZHZjbWN1V3RPM3BfU2JfbnZqT01YenRjblFSYkJveHhWY29yaXlHeVpBd25ZV1dSZDdkZWhyVzVBbGtSYVIwaWhIbDUxXzVmZlNwc1VGMzk1YU5ZZDFpYndFWDliZVkxNnhGcjNzYnROeFNGLUstY0pQMlNPcHJQWUw5X0xvNFI2dGhmSXgyZ05GNEhBUQ?oc=5) · NerdWallet
- 2026-07-23 [Boys and Girls Club Unity Day draws record attendance in Benton Harbor - WNDU](https://news.google.com/rss/articles/CBMinAFBVV95cUxQR3k2SzBhZDVGcTUwQnpKRS1EMjZIem0ySGVYN284blBXNnUwb3Jmc2dSZjl4bWVYOGtLM1N4UjdmMjh5WHRXTXdXYXFDSTNQQ0RtMmhhQzk5Y2k1YkZKeC14TFVhTktUYWtWOVIyRHFkNlV4Mkd0Y25KcWpyaGFwaG1HWjVENnlGRU1YM3A2bFdHMUdLcEVBR3AwLXPSAbABQVVfeXFMTlI2NmthRk5PNmR3aVcwT2tQckcya0hRdkNubFpiRGxqM2ExUV8zWGtzVWpJNXRXVVRXbVNwRkhFVlFHV0pNQlhUQmRjNWNFb003S3VGTnN1YXRFRFh2NFMtTDRaU1pkcnlDSTgyS2dWSGFHYTlyNkdmVGp5Q2xSR1FId05UeUM0WDFYUW45aDRMalZ3TS0yaXB5S2FNMEpnLXB4eHNzb0FKV1BSLVBTZHo?oc=5) · WNDU
- 2026-03-30 [Michigan GOP picks Anthony Forlini, Doug Lloyd for key spots on fall ballot - Bridge Michigan](https://news.google.com/rss/articles/CBMitwFBVV95cUxOdjhOVEZTWVFXM1ZXQXFYUlJnZnZwUDVybnZxdlU1WTB2REFYaDhGaExQTmx0WlUxMS05VHIwU1FtQUlnTlBBOGZQRk1wbTd5dGlESEtOUXAxZW55TXoxTTNGaUpfMVJvQnBZWWdSb1JTRlBXd3llVjhEanRIdXgwUl94SUs2VElja2lWLVl6bHYtRFI4TDNNck9TQmp4NHBWUnViVTAtVWJBWG1WUXdVMnktYkJfSWs?oc=5) · Bridge Michigan
- 2026-01-28 [Built on relationships IECCU’s member-focused year - Jamaica Gleaner](https://news.google.com/rss/articles/CBMimwFBVV95cUxPQkJfWV9Kb3hfMG5uRGdwZHJuNkV4ZUxDaWNvZ3RDWVU2aTg1RXNuVlJHbXlEYUNubVg5QmxwT29aSWNHTGRlQm0yQkRsV2IwWkVkUXc4eGx5aTUybG16QUg1bFVnRW0wZzRZajJ2RFpzMW9pYVdVN0M0MTlkeG5fbTFUbjU1NDA0LTQtTWphWHIzXzJGUkxnanNhZw?oc=5) · Jamaica Gleaner
- 2026-03-02 [Ne-Yo & Akon Set April 2026 Kickoff for Global ‘Nights Like This Tour’: See the Dates - That Grape Juice.net](https://news.google.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?oc=5) · That Grape Juice.net

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=62362 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/26.json (key "62362", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=62362
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide