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
- HEALTH 84/100
- NW 10.3%
- DELQ 1.74%
- ROA 0.69%
- ASSETS $914.2M
- MEM 47,036
- RANK #2,152/4,374
- PHOTO OKLAHOMA'S
- BOOK 61708
Call Report peers
Arbor Financial in the assets neighbourhood
Arbor Financial's $914.2M assets sit next to OKLAHOMA'S ($914.6M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
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
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
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 - 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 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).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for MI only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How Arbor Financial's 5300 filing moved
Arbor Financial: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -1.0% from $914.2M (2025Q4) to $905.3M (2026Q1).
- Net-worth ratio shifted +0.19 pp (10.15% → 10.34%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 84.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
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
Cross-state asset and health neighbours for Arbor Financial - kept outside Michigan; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($914.2M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (84/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Michigan credit unions compare overall before assuming this one is typical. Michigan state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
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. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,152 of 4,374; by total assets it ranks #501 of 4,374 nationally (same basis as /rankings/largest); and #31 of 171 within Michigan. Above 80 reads excellent, below 50 warrants closer monitoring; a 10.34% 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 10.34% 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.
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.