# UNITED
WARSAW, IN · NCUA charter 68272 · asset band <$50M · latest filing 2016-12 · stopped filing after 2016-12 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/united-68272

Who the members are: state charter, organized 1973. 2,019 members of 3,600 potential (56.1% of the field); checking penetration 47% (share draft accounts per 100 members); loans per 100 members 57.

**Verdict on the desk:** this could be *auto monoline*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $11.1M |
| Members | 2,019 (– YoY) |
| Full-time staff | 4 |
| Net worth | $1.5M |
| Net worth ratio | 13.5% (p57 of band) |
| ROA (annualized) | 0.27% (p55 of band) |
| Total delinquency | 0.43% (p31 of band) |
| Net charge-offs (annualized) | 0.56% (p69 of band) |
| Loans / shares | 48% (p35 of band) |
| Cash / assets | 10.4% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.08% (p53 of band) |
| Operating expense / assets | 4.20% (p71 of band) |
| Vehicles % of loans | 67% (p74 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p45 of band) |
| Vehicle delinquency | 0.36% (p41 of band) |
| Vehicle NCO | 0.31% (p64 of band) |
| Repossessed % of vehicle book | 0.00% (p44 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 8% |
| Unsecured % of loans | 25% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 91% |
| Certificates % of member funds | 9% |
| Average share balance | $3,136 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 57% |
| Loans granted per 100 members, annualized | 26% |
| Average loan balance | $3,971 |
| Loans granted, annualized | $1.6M |

## Flags firing in the latest filing

- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | auto monoline |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |

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

- 2026-09-07 [Employee Feedback Powers United Federal Credit Union’s Third Consecutive Recognition as a ‘Best Credit Union to Work For’ - The Valley Ledger](https://news.google.com/rss/articles/CBMiTkFVX3lxTE93UmppQkNBOGphTVdZdTVadVFDeHpNaHRvbVZSUnpyWUs5MEM3TDlLWjdzdTgwUGwzclFKZDRjNFppdDF6M3NHVWFfaVlLQQ?oc=5) · The Valley Ledger
- 2026-07-24 [Sterling United Credit Union marks 70 years by paying for shoppers’ groceries, gas - 14 News](https://news.google.com/rss/articles/CBMisAFBVV95cUxNeDRVbVV3NHlHMm1fd0NlbWhoUnBhT2hLRjBSWlhfcjBmdmp4bUhMazROMmllZXJGN3BCZ1VnakpzZ3BDazhlXzZWTDZXS0JyM200ME1pZm5qUURFR3NsXzRrYzN6MVVXMWhSVlExRHhRY2hvWF91dGJZQU1oNUlNWHhoY09fZzFxX0RDOWU4RDNmSDdBanIwVXJKWXI0dnhZcGxBMm1vMTJOQjBBbTk3Qg?oc=5) · 14 News
- 2026-02-24 [D.C. United Announces Landmark Multi‑year Partnership with Lafayette Federal Credit Union - D.C. United](https://news.google.com/rss/articles/CBMiugFBVV95cUxNTHZtVnU2UGlYUElEYTNzdV9Cc2syanQwUHZrV05xNzNsZGdPU0hDQl9mS0k4N3MzazRXMktfRi12ZEFBdUUyUGRwbEtvblU4bjgySjMwSktieEpJelBoM3FHWWhGUXdVMzNxbFdtQTRUWVBhRFR0cHRxVEVQZncxYnlMRGZURGhYVDRPX3U4ekw0Wm1QTjludFA5aENQbU5mcHNBb09Qb3hqNDlqV0tNWXgwcS0wTnVRcmc?oc=5) · D.C. United
- 2026-08-31 [United Federal Credit Union donates $20,000 for Hawk Fire relief - KTVN](https://news.google.com/rss/articles/CBMi3wFBVV95cUxOZDVxbzgzRGtlTzZXR2dGZkhRYThkSzlyWThLQWdEMVBSOXV0TFlvLUFMVEpXLVRMWmdGbkNFN0VCVEVxZUVvV1JsVjBsRUh2RWR4NVRNTmFUakdINXl5NGhDS3JyU21XU09SaloyYVBNbnYxa2NRa0p6QU82SmtOM1gwUDFvNXlYaTNXUWh5UjNwdzFkV1dra0RBOERMa3hPNm9YWU9pT3htRlRaSl9hQnF0cHFPTHVNalF0WVVKUmZUaENxUUIyc0tjY3EtTExlalJRT0JfUi11Q0huWGpF?oc=5) · KTVN
- 2025-10-17 [Hoosier United Credit Union’s David Brokaw receives Leadership Achievement Award - CUInsight](https://news.google.com/rss/articles/CBMivAFBVV95cUxQQ2JTZ2lad2E4SWNfd0dlVTZValczRlFMcTNZdk84MEZXTEs5TUk0V3VDQmZkZWJqUGFwUEZFeUVVVms3dVB3UmxnRVdqLThhdHBiWmd0OFRQbWx2SWFzd2g5V0lhdDE4Y3E4eE40WGgxaThadjBFM3ZNY3JVUzhra0FYLWQybWgwZ3ZsTDNBWlNCbFRHNTRTWW0xOVl6NF90RzRVS1BmVkR3dVBfR1d2ZGJZY0R3N21nM1RYTA?oc=5) · CUInsight
- 2026-04-02 [United Way of Hunterdon County partners with credit union to launch financial wellness program - WRNJ Radio](https://news.google.com/rss/articles/CBMiuAFBVV95cUxOU1VMY2pTdG94TGlBdGV1U0phNEFjMmZPUXlKVEl4Nmx3VzNmUDd6TGUydWwxWEdkcl9RamZmb1Zwa3ZLLXVkS2Z0S25idl9mbkF5dVlWM2ZOM0tUd0JlVE5PcFBrZlVNcV9oUXhHSkdSdE1zdGZ5d1phUW1DZkkyYnNqNXlHUENiNnBhazV0Rmxkd0lYc1JzVlRwdGZtb1pMT3BXRnNWbkFOc204WDZRYjZOeFdQWURo?oc=5) · WRNJ Radio
- 2026-07-28 [United Savings Credit Union breaks ground on new Detroit Lakes branch - Detroit Lakes Tribune](https://news.google.com/rss/articles/CBMiqgFBVV95cUxNUEhlTklGWERrb1dhLXRHMnlBVjZEbkVtLTNScjdSWVhMMjhOaFI4WU5JSEh6ZTZrd3A1UlRlMTNpS01XMWMyWmxXdEltdmNhallaSXJSX1J3dXFjaHFab2c2VVU5UTJlMmVlVGx4YjA4bVJsMFlCYmpRQm10aVN5Z3lYRkZFX0J4dFFneF9KRnhzbUtBWmhaMnA0NGptRWtxXzNtbTZOMi1zUQ?oc=5) · Detroit Lakes Tribune
- 2025-04-04 [1st United Credit Union plans to close downtown Berkeley location - Berkeleyside](https://news.google.com/rss/articles/CBMinwFBVV95cUxNSTRRbUtJb1JSOU1LSXotSV9GQ05UeEhZRjhwbnkxOWZaYzc1YnBZM1ozTGs2cVdURVYwWW5USmJvc25YeVJETm9kd0RsR2s4M2VJdUFsTmc1Mi1EQXZoVG1wYzYxNzJwQUlVeXJMd3lndFc4UEpjN1VKRkU4S0plWXVsTjVtbWRPMl80elUzaWw5SnNsQ1BuOVpHMDduMFk?oc=5) · Berkeleyside

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=68272 (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/48.json (key "68272", 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=68272
- 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