Credit union · NCUA insured
United Community Credit Union
A $132.4M credit union headquartered in Quincy, IL, with 10,469 members and 3 branches in 2 states. Best rates: CDs 3.82% and savings 0.80% APY.
United Community Credit Union Carrot Score
76
Carrot Score
Higher than 41% of U.S. banks and credit unions
#5 of 10 in Quincy, IL-MO metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About United Community Credit Union
- Headquarters
- 621 N 36th St, Quincy, IL 62301-4605
- NCUA charter
- 60095
Branches
3 branches in 2 states
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Illinois
2 branches
- United Community Credit UnionMain office621 N 36th St, Quincy, IL 62301Directions
- United Community Credit Union1001 Vermont St, Quincy, IL 62301Directions
Missouri
1 branch
- United Community Credit Union109 Lindsey Dr, Hannibal, MO 63401Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 15.41% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.40% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 1.08% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $89 | $76 | — |
- CapitalNet worth ratio15.41%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.40%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets1.08%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$89Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of United Community Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.