State credit union · KALAMAZOO, Michigan · NCUA charter #61708
Arbor Financial
Health score 84/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 84
- Health / 100
- $914.2M
- Total assets
- 47,036
- Members
- 10.3%
- Net-worth ratio
Arbor Financial scores 84/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $914.2M; members 47,036; net-worth ratio 10.34%; health rank #2,152 of 4,374; healthier than 50th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#2,152 of 4,374 health · 2025Q4Arbor Financial · health 84/100 · $914.2M · 2025Q4
Call Report peers
Arbor Financial in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Arbor Financial vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Arbor Financial sits in 80-84 with 767 others.
84 Top 50% higher than 50% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Arbor Financial vs Over $500M peers
- Strongest edge vs 749 Over $500M peers is Loan-to-Share Ratio: +4.66 pp (88.56% vs 83.90%).
- Delinquency Rate trails the peer set - 1.74% here, 0.87% peer average (+0.87 pp).
Arbor Financial in Michigan
- Michigan health ordinal: #109 of 171.
- Assets rank #31 of 171 inside Michigan ($914.2M reported).
- Michigan membership ordinal: #37 of 171.
- One place up in Michigan, CONSTRUCTION (#108) ties at 84/100; one place down, Community First (#110) ties at 84/100.
How Arbor Financial's 5300 filing moved
Arbor Financial: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -1.0% from $914.2M (2025Q4) to $905.3M (2026Q1).
- Net-worth ratio shifted +0.19 pp (10.15% → 10.34%).
This credit union's 10.34% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 84/100 score is built
Arbor Financial gives up 16 points in total. Delinquency Rate costs the most, 10.6 of its 25; Net Worth Ratio and Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 14.4 pts
- Return on Assets 15.0 pts
- Member Growth 9.5 pts
- Loan-to-Share Ratio 15.1 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.34% | -0.84 pp |
| Delinquency Rate | 1.74% | +0.87 pp |
| Return on Assets | 0.69% | +0.19 pp |
| Member Growth | 0.44% | - |
| Loan-to-Share Ratio | 88.56% | +4.66 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
Call Report history - Arbor Financial
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $905.3M | - |
| 2025Q4 | $914.2M | 47,036 |
| 2024Q4 | $903.4M | 46,828 |
| 2023Q4 | $969.4M | 46,662 |
Credit Union Details
- Charter Number
- 61708
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Michigan
- City
- KALAMAZOO
- Data Quarter
- 2025Q4
Branch Locations (13)
Per its most recent NCUA branch filing, Arbor Financial runs 13 offices in 9 different cities.
| Office | City |
|---|---|
| Main Office (Main Office) | KALAMAZOO, MI |
| Caledonia Office | CALEDONIA, MI |
| Hudsonville Office | HUDSONVILLE, MI |
| Kalamazoo Office | KALAMAZOO, MI |
| Gull Road | KALAMAZOO, MI |
| Lawrence | LAWRENCE, MI |
| Otsego-Plainwell Office | OTSEGO, MI |
| Paw Paw Office | PAW PAW, MI |
| Centre Ave Office | PORTAGE, MI |
| Portage Road Office | PORTAGE, MI |
| Westnedge Ave Office | PORTAGE, MI |
| Three Rivers Office | THREE RIVERS, MI |
| Wyoming Office | WYOMING, MI |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Michigan
More federally-insured credit unions based in Michigan, ordered by peer group match and asset size.
Cross-state Call Report peers for Arbor Financial
Using this data
- Arbor Financial ranks #2,152 of 4,374 nationally on financial health and #109 of 171 in MI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Tlc Community is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Tlc Community
Frequently Asked Questions
Is Arbor Financial financially healthy?
Arbor Financial has a financial health score of 84/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,152 of 4,374 nationally on health and #109 of 171 in Michigan. Its net worth ratio is 10.34% and its delinquency rate 1.74%.
How does Arbor Financial compare to other credit unions?
Arbor Financial scores 84/100, higher than 50% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (88.56% vs 83.90%). Its widest shortfall is delinquency rate (1.74% vs 0.87%).
How can I join Arbor Financial?
Membership eligibility for Arbor Financial depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Arbor Financial directly for current membership requirements and application steps.
Is my money safe at Arbor Financial?
Arbor Financial is a state-chartered 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. Arbor Financial's net worth ratio of 10.34% 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.