Sep, 30, 2025 — UNITED FEDERAL CREDIT UNION is a federal credit union headquartered in SAINT JOSEPH, MI with 45 branch locations and about $4.25 billion in total assets. Opened 77 years ago in 1949, UNITED FEDERAL CREDIT UNION has about 190,355 members and employs 692 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | UNITED FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 150 Hilltop Rd SAINT JOSEPH, MI 49085-2381 |
| Phone: | (888) 982-1400 |
| Fax: | |
| Website: | https://www.unitedfcu.com |
| Branches: | 45 branch locations |
| Members: | 190,355 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 6288 |
|---|---|
| Membership Type: | Multiple common bond - Primarily other manufacturing |
| Corporate Credit Union: | No |
| Year Opened: | 1949 |
| Last Audited: | Dec 01, 2024 |
| FHLB Member: | Yes |
| Low Income Designation: | No |
| Assets: | $4,254,536,491 |
| CEO/Manager: | Terry O'Rourke |
| Chairperson: | Troy Tolle |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 223,668,775 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 2,201,940,993 |
| Unsecured Loans | 134,286,849 |
| Other Loans | 806,186,981 |
| TOTAL LOANS | 3,152,882,285 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -35,434,007 |
| Land And Building | 73,147,292 |
| Other Fixed Assets | 10,320,547 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 28,113,429 |
| All Other Assets | 1,400,609 |
| TOTAL ASSETS | 4,254,536,491 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 4,693,402 |
| Notes & Interest Payable | 253,000,000 |
| Accounts Payable & Other Liabilities | 58,560,056 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 985,059,737 |
| Regular shares | 482,570,216 |
| All Other Shares & Deposits | 2,019,956,562 |
| TOTAL SHARES & DEPOSITS | 3,487,586,515 |
| TOTAL LIABILITIES | 3,804,735,805 |
| Regular Reserve | 0 |
| Other Reserves | -36,812,380 |
| Undivided Earnings | 486,613,066 |
| TOTAL EQUITY | 449,800,686 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 4,254,536,491 |
| INCOME & EXPENSE | |
| Loan Income | 138,922,627 |
| Investment Income | 20,865,154 |
| Other Income | 11,410,040 |
| Total Employee Compensation & Benefits | 51,060,378 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 41,435,227 |
| Non-operating Income & (Expense) | 490,419 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 10,489,545 |
| Cost of Funds | 56,829,517 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 41,096,383 |
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