Federal credit union · WARREN, Michigan · NCUA charter #5885
A.B.D.
Health score 73/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 73
- Health / 100
- $67.7M
- Total assets
- 6,093
- Members
- 15.1%
- Net-worth ratio
A.B.D. scores 73/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $67.7M; members 6,093; net-worth ratio 15.12%; health rank #3,396 of 4,374; healthier than 21st of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#3,396 of 4,374 health · 2025Q4A.B.D. · health 73/100 · $67.7M · 2025Q4
Call Report peers
A.B.D. in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
A.B.D. vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); A.B.D. sits in 70-74 with 317 others.
73 21st percentile higher than 21% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Peer-gap read for A.B.D.
- Largest favorable gap: Net Worth Ratio at 15.12% vs peer 13.62% (+1.50 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -30.94 pp (31.66% vs 62.60%).
A.B.D.: in-state Call Report ranks
- Health composite ranks #157 of 171 among scored Michigan credit unions.
- By total assets, A.B.D. is #125 of 171 in Michigan.
- Member book place in Michigan: #118 of 171.
- One place up in Michigan, Grand Trunk Battle Creek Emp (#156) ties at 73/100; one place down, Best Financial (#158) scores 72/100, 1 point lower.
Quarter path for A.B.D.
A.B.D.: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -1.5% from $67.7M (2025Q4) to $66.7M (2026Q1).
- Net-worth ratio shifted -0.02 pp (15.14% → 15.12%).
At 15.12%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 73/100 score is built
A.B.D. gives up 27 points in total. Member Growth costs the most, 13.2 of its 15; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 17.0 pts
- Return on Assets 15.0 pts
- Member Growth 1.8 pts
- Loan-to-Share Ratio 9.2 pts
A.B.D. health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 15.12% | +1.50 pp |
| Delinquency Rate | 1.40% | +0.43 pp |
| Return on Assets | 1.00% | +0.35 pp |
| Member Growth | -4.00% | - |
| Loan-to-Share Ratio | 31.66% | -30.94 pp |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
A.B.D. quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $66.7M | - |
| 2025Q4 | $67.7M | 6,093 |
| 2024Q4 | $68.4M | 6,347 |
| 2023Q4 | $64.9M | 6,756 |
Credit Union Details
- Charter Number
- 5885
- Type
- Federal
- Field of Membership
- Select Employee Group
- Peer Group
- $50M–$100M
- State
- Michigan
- City
- WARREN
- Data Quarter
- 2025Q4
Branch Locations (3)
Per its most recent NCUA branch filing, A.B.D. runs 3 offices in 3 different cities across 2 states.
| Office | City |
|---|---|
| ABD FEDERAL CREDIT UNION (Main Office) | WARREN, MI |
| ABD FEDERAL CU | BELVIDERE, IL |
| ABD FEDERAL CREDIT UNION | DETROIT, MI |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Michigan
A look at other Michigan credit unions, ranked by how closely their peer group and asset size match this one.
Nationwide credit unions with similar profiles
Using this data
- A.B.D. ranks #3,396 of 4,374 nationally on financial health and #157 of 171 in MI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Tahquamenon Area is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Tahquamenon Area
Frequently Asked Questions
Is A.B.D. financially healthy?
A.B.D. has a financial health score of 73/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,396 of 4,374 nationally on health and #157 of 171 in Michigan. Its net worth ratio is 15.12% and its delinquency rate 1.40%.
How does A.B.D. compare to other credit unions?
A.B.D. scores 73/100, higher than 21% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is net worth ratio (15.12% vs 13.62%). Its widest shortfall is loan-to-share ratio (31.66% vs 62.60%).
How can I join A.B.D.?
A.B.D. serves multiple common-bond groups, membership usually requires belonging to one of several qualifying employers, associations, or organizations the credit union has chartered to serve. Contact A.B.D. directly for the current list of qualifying groups.
Is my money safe at A.B.D.?
A.B.D. is a federal credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. A.B.D.'s net worth ratio of 15.12% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.