# UNITED
Council Bluffs, IA · NCUA charter 65557 · asset band <$50M · latest filing 2024-03 · stopped filing after 2024-03 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/united-65557

Who the members are: state charter, organized 1953. 1,772 members of 90,000 potential (2.0% of the field); checking penetration 45% (share draft accounts per 100 members); loans per 100 members 22.

**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 | $18.6M |
| Members | 1,772 (-5.8% YoY) |
| Full-time staff | 4 |
| Net worth | $1.5M |
| Net worth ratio | 7.9% (p6 of band) |
| ROA (annualized) | 0.00% (p23 of band) |
| Total delinquency | 0.30% (p37 of band) |
| Net charge-offs (annualized) | -0.08% (p11 of band) |
| Loans / shares | 31% (p12 of band) |
| Cash / assets | 5.9% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.60% (p17 of band) |
| Operating expense / assets | 3.12% (p41 of band) |
| Vehicles % of loans | 71% (p66 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.39% (p49 of band) |
| Vehicle NCO | 0.00% (p36 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 12% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 5% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 91% |
| Certificates % of member funds | 5% |
| Average share balance | $5,679 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 22% |
| Loans granted per 100 members, annualized | 9% |
| Average loan balance | $13,333 |
| Loans granted, annualized | $2.5M |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **delinquency rising** (`aq_dq_rising`)
- **assets shrinking** (`shrink_assets`)
- **members leaving** (`shrink_members`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | delinquency 2x band, auto monoline |  |
| 2016-06 | 1 |  | delinquency 2x band |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 3 | net worth falling, members leaving |  |
| 2017-09 | 4 | delinquency 2x band, delinquency rising | net worth falling |
| 2017-12 | 2 |  | delinquency 2x band, delinquency rising |
| 2018-03 | 2 |  |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 3 | delinquency 2x band, delinquency rising | members leaving |
| 2020-03 | 3 |  |  |
| 2020-06 | 5 | net worth falling, members leaving |  |
| 2020-09 | 3 |  | net worth falling, members leaving |
| 2020-12 | 3 | margin squeeze | delinquency rising |
| 2021-03 | 3 | net worth falling | delinquency 2x band |
| 2021-06 | 1 |  | margin squeeze, net worth falling |
| 2021-09 | 1 |  |  |
| 2021-12 | 2 | members leaving |  |
| 2022-03 | 5 | net worth falling, losing money, delinquency rising |  |
| 2022-06 | 5 | delinquency 2x band | losing money |
| 2022-09 | 4 |  | net worth falling |
| 2022-12 | 4 |  |  |
| 2023-03 | 3 | assets shrinking | delinquency rising, delinquency 2x band |
| 2023-06 | 6 | thin capital, losing money, expense trap |  |
| 2023-09 | 6 | delinquency 2x band | expense trap |
| 2023-12 | 7 | expense trap |  |
| 2024-03 | 5 | delinquency rising | losing money, delinquency 2x band, expense trap |

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

- 2026-09-09 [United Way of North Central Iowa’s Day of Caring brings local businesses together to make a difference - Clear Lake Mirror Reporter](https://news.google.com/rss/articles/CBMi-AFBVV95cUxPaGFMVzhWYVhxRTFkU3JoRlNGNFpTbDB6VDlFS1J6TGVuUThMN2w1NjZ5eU5HX2l0dUJLZ21mbjVaWl9obFRVWXdtZkFhbUlTWHFINTFsWUNYNTkwM1BYR2JZX0NmXzM4bXNpTERYNDBpMWJVa01sMVZUWEJVLUZHem1jTzVYVkQ1Mjk3MTlTZ3BhZm1SRHpoMzFuODA2T0ZGMkFrOGpfcjJZVzV0Z3V3dWdVdnVkVmQwY19Ldkx0QzBWbVJvQnctWjVUVnVDQnhIb0x2ejd0RjkyQks5VlVXam5HVEE3N1d6YzRVUzY2RFkxYWdZbElqTA?oc=5) · Clear Lake Mirror Reporter
- 2026-06-29 [20 Largest Credit Unions in America | Banking Advice | U.S. News - U.S. News & World Report](https://news.google.com/rss/articles/CBMigAFBVV95cUxPTGo3NzJqcExQdW1NT240R08xaGVXT1pFZHBGS29RSG9UaUJQaWkxV3RrbEZheE5jWjRlUmp0am5oQ3V6SFh6U2lIQ2NvaWtKTnhsNko2TU0zYXRhWUFEb0ZBUWFJUkxYWlQ4eVBTWHFmNjZkbW1QOXg1VnBDbExpWA?oc=5) · U.S. News &amp; World Report
- 2025-11-12 [United Federal Credit Union reinvests in community with ribbon cutting celebration at new Hendersonville South branch - CUInsight](https://news.google.com/rss/articles/CBMi7wFBVV95cUxObkxWbmlVQjVHQW5ISkxCTHROQjVpZFNfaWRqdzYxc3RxQUNYb0xULVBqNGgwNGl1bDR0d2kwMWhfQUlhRV9OeE15TXdlTV84NVZQbm1zcGRGM0lqRFV5UU1XN0ZPZU0xVXFBSDNYS1YtYVF1akhkZjA3Y0FvU1BoN3M0LVFodXpRRkhIajdma19oMWw5RlM3TGg0OXJZei1RYmVQbVVablN0ZkRfZnZRM3JrMEJWTS1TMXpJNHhTbzBHNnpxNWZaTUVrRGN0N2dLNF9IUVltU2hyN1V2TUhXSVB5WGd1Z0lXQzNSQTliNA?oc=5) · CUInsight
- 2025-12-01 [Credit Union Conferences in 2026: An Evolving List - CUTimes](https://news.google.com/rss/articles/CBMijgFBVV95cUxQTmxaVl9NcnQzNDQ2d2ZyLW5KaWNueHMtcjdBdXNpODdRQzI3ZUxUNXdLVWJJNkJsUzJGdWE1TEhhZHBfcmUzRzhlWXpyVUF1bk43ZTU0LU02Tm5aaXlOSFI4VnB6SkhuNG5Kd3pzb1dkbWJaWDd2aEROZVo2d0YtQW42RF9XWlRNcjBpbDJn?oc=5) · CUTimes
- 2026-06-19 [What's closed on Juneteenth in Iowa? Check banks, post office, stores. - The Des Moines Register](https://news.google.com/rss/articles/CBMi1gFBVV95cUxNT2RVVS1mSnF3dHBzdXZlWmR5MmdndEVzaUdPRzBfR2Mwd0JtRXN3VGFOdWRkQmFFMXpXbGVfN3kzdnNKMFBnUmN3MHV2Q25lNVl4dV9HUnAzTEZLMzI2Umh2aFNRVF9la1N2NEVLNzJ5cEw0SDZPdE5yTlpYZ3dIMXVOc0l5OVZMUVZ4TE9LeUxSS2ptTThYTHBnM2FxWGo2Q2JBNTBMZVkxc1NDYVNHbUpkbmxhRy1NSlVFSlJXVVh0WkhLLWJrOUp3S1dsTWJpOVFiLVFB?oc=5) · The Des Moines Register
- 2026-01-22 [Moline woman sentenced to prison on wire fraud, identity theft charges - KWQC](https://news.google.com/rss/articles/CBMinAFBVV95cUxQUENERjRmcVVPUkw3aXZDOFJvWTQwYTktS0RjRU9PMEhoSXk3QXkzNk56VVducXZlUGxhcU9YTGpjZTI2Qlg5bkVWeGRnMEVsTkxZLWloRW5hNXdjQkdhb3h5eUdSVl81TkJsN1FyektBN0RxVTFuancyaXgwQkJZcWMzU242czdKQW96VjBCU0dDUG5LLXZSTjhPN0_SAbABQVVfeXFMUDU3bk1nZnYzU2o0bU94VWpLTnJpQ19wVTl5cDNjVW03aHlzUHdpUUl6QTQyanB1X3YzZUpiYjlYcGxnNmhrdkRad2pjMDJVTDR4Yl9lZWVvM3dGNHZsMW5RcHpQbmFueVQ1TllKaXdfcnJiM0VuRzl3RzdaN3FaSHZDTGhYeVJDNUlwb3dGWmFMeGNlNjRKLWcxQlE3OXRpTFpwTXdMRzRackhQR3FFMnk?oc=5) · KWQC
- 2025-12-03 [Fintech firm Marquis alerts dozens of US banks and credit unions of a data breach after ransomware attack - TechCrunch](https://news.google.com/rss/articles/CBMi1wFBVV95cUxQMFY3VU82N2pvRVJuUXFwZDlLRVBueWt1b3JVQzRFZWhQZkdFQTFyLVhCc0RoTzZpN1dsenljMlpGRlo5WDRaVjF2QThFWFcwdWtwcDFpU0daTWZCdWdSblF6THJHRnpIX3dtbDJPMlI5UmJlbFpodTJZbnJzR1JjbFdzREY5OWZvSy0zT2ZzVHh0UjZtQTc2VXNEU2t0OXc5cXlBNGhHa3hkZFNBUXgwVVUwUzFhNzB3YVNwNm9PU0JkTVdVamdSWDQyM2hjTXNoRElfbEJ0NA?oc=5) · TechCrunch
- 2024-07-02 [2012-2024 List Of Failed Credit Unions - Bankrate](https://news.google.com/rss/articles/CBMib0FVX3lxTFBqUTBmbUhvaEh6UXpMOERnZTMzUjU2djBQVUVxMHd4UmZFRF84OWFtelZtZXQ3eTF5ZE5fbE5YVTRIUWd2dDVDWjZxZ3F4d3gwRFhMV2FyT21RWXlTLVVoRTE5Z0R1Ql9iMHVmYndZUQ?oc=5) · Bankrate

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=65557 (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/21.json (key "65557", 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=65557
- 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