United Financial
United Financial is a credit union based in Saginaw, Michigan, established in 1964, with $350 million in total assets serving 21,710 members. By Trust Grade it ranks 101st of 170 credit unions we track in Michigan. Its net worth ratio of 10.7% trails most similarly sized credit unions (42th percentile), versus a Michigan median of 11.7%. It was profitable over the most recent period, with a 0.72% return on assets. No consumer complaints against United Financial appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How United Financial compares to Michigan peers
How we graded United Financial
The Trust Grade blends financial strength with complaint history. Full methodology →
- Well-capitalized (10.7% capital ratio)
- Profitable (ROA 0.72%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for United Financial over the analysis window. For a smaller institution this is common and counts in its favor.
Are deposits at United Financial insured?
Yes. United Financial is an NCUA-insured credit union. Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
United Financial: frequently asked questions
Is United Financial a good credit union?
United Financial earns a Bankzia Trust Grade of A (91/100, "Excellent"), based on a financial-strength score of 91/100 (it has no CFPB complaints on record). Well-capitalized (10.7% capital ratio); Profitable (ROA 0.72%).
Is United Financial NCUA-insured?
Yes. United Financial is a NCUA-insured credit union. Deposits are protected up to the standard NCUA limit of $250,000 per depositor, per ownership category.
How big is United Financial?
United Financial holds $350 million in total assets, ranking 101st of 170 credit unions we track in Michigan. It serves 21,710 members.
Does United Financial have CFPB complaints?
No CFPB complaints against United Financial appear in our data over the analysis window, which is typical for a credit union of this size.
Similar Credit Unions
Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
