State credit union · KALAMAZOO, Michigan · NCUA charter #61708
Arbor Financial
Health score 84/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 84
- Health / 100
- $914.2M
- Total assets
- 47,036
- Members
- 10.0%
- Net-worth ratio
Arbor Financial - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #61708: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Arbor Financial - Five Health Pillars
This credit union's pillar breakdown: five 0-100 sub-scores below, which weight-and-sum to the headline health score above. Same underlying NCUA 5300 figures throughout, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)58
- Earnings (ROA)100
- Member growth64
- Liquidity (loan-to-share)100
Weighted composite: 84/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 10.03% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 10.03% | 30% |
| Delinquency Rate | 1.74% | 25% |
| Return on Assets | 0.69% | 15% |
| Member Growth | 0.44% | 15% |
| Loan-to-Share Ratio | 88.56% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Arbor Financial
The five-factor composite scores Arbor Financial at 84/100 (Excellent), reflecting a net worth ratio of 10.03% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. This state credit union, headquartered in KALAMAZOO, Michigan, reports 47,036 members, $914.2M in total assets, and $685.5M in outstanding loans as of Q4 2025 under charter #61708 (peer group Over $500M, a cohort of 749 similarly-sized institutions).
Two more numbers round out the picture: a 1.74% delinquency rate (loans 60+ days past due against the total book) - the peer group average for Over $500M credit unions sits at 0.874%, so this institution is running looser than peers - and a 88.56% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 0.69% on net income of $6.4M for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 0.44%. All of the above reflects the 2025Q4 quarterly NCUA 5300 Call Report. Who can join depends on the field of membership (currently: Other); our disclaimer covers NCUSIF deposit-insurance coverage and how to use this data responsibly.
Nearby Credit Unions in Michigan
More federally-insured credit unions based in Michigan, ordered by peer group match and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Arbor Financial financially healthy?
Yes/no aside, the number is 84/100 (Excellent) - Arbor Financial's financial health score from the NCUA 5300 Call Report, Q4 2025. Above 80 reads excellent, below 50 warrants closer monitoring; a 10.03% net worth ratio and 1.74% delinquency rate are the key drivers.
How does Arbor Financial compare to other credit unions?
On PlainCU's health composite, Arbor Financial lands at 84/100, compared to a peer group average for Over $500M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
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?
Federal credit unions like Arbor Financial are 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 10.03% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Arbor Financial offer compared to banks?
Credit unions like Arbor Financial are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Arbor Financial directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.