State credit union · LANSING, Michigan · NCUA charter #62543
Auto-Owners Associates
Health score 86/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 86
- Health / 100
- $42.0M
- Total assets
- 2,565
- Members
- 18.4%
- Net-worth ratio
Auto-Owners Associates scores 86/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $42.0M; members 2,565; net-worth ratio 18.39%; health rank #1,753 of 4,374; healthier than 57th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#1,753 of 4,374 health · 2025Q4Auto-Owners Associates · health 86/100 · $42.0M · 2025Q4
- NW 86/100
- DELQ 18.4%
- ROA 0.12%
- ASSETS 1.91%
- MEM $42.0M
- RANK 2,565
- PHOTO #1,753/4,374
- BOOK Advantageplus of Indiana
- CHARTER 62543
Call Report peers
Auto-Owners Associates in the assets neighbourhood
Auto-Owners Associates's $42.0M assets sit next to Advantageplus of Indiana ($42.1M) 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.
Auto-Owners Associates 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
86 Top 43% higher than 57% 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
Auto-Owners Associates - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #62543. See our deposit-insurance coverage note.
Peer-gap read for Auto-Owners Associates
- Largest favorable gap: Net Worth Ratio at 18.39% vs peer 14.86% (+3.53 pp).
- Loan-to-Share Ratio trails the peer set - 20.82% here, 59.80% peer average (-38.98 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Michigan standing for Auto-Owners Associates
- Michigan health ordinal: #85 of 171.
- Michigan assets place: #140 of 171.
- Michigan membership ordinal: #146 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.
Auto-Owners Associates Call Report trajectory
Auto-Owners Associates: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.3% from $42.0M (2025Q4) to $43.4M (2026Q1).
- Net-worth ratio shifted -0.12 pp (18.51% → 18.39%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 18.39%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 86/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 86.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 8.4 pts
- Loan-to-Share Ratio 7.6 pts
Auto-Owners Associates vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 18.39% | +3.53 pp |
| Delinquency Rate | 0.12% | -1.02 pp |
| Return on Assets | 1.91% | +1.20 pp |
| Member Growth | -0.35% | - |
| Loan-to-Share Ratio | 20.82% | -38.98 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Call Report history - Auto-Owners Associates
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $43.4M | - |
| 2025Q4 | $42.0M | 2,565 |
| 2024Q4 | $41.8M | 2,574 |
| 2023Q4 | $44.1M | 2,740 |
Credit Union Details
- Charter Number
- 62543
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Michigan
- City
- LANSING
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for Auto-Owners Associates.
| Office | City |
|---|---|
| Auto-Owners Associates Credit Union (Main Office) | Lansing, MI |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Michigan
Other federally-insured credit unions in Michigan, closest first by peer group and asset size.
Other-state peers near Auto-Owners Associates
Cross-state asset and health neighbours for Auto-Owners Associates - kept outside Michigan; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($42.0M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (86/100 here).
Using this data
- Auto-Owners Associates ranks #1,753 of 4,374 nationally on financial health and #85 of 171 in MI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Port City is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Port City
- 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 Auto-Owners Associates financially healthy?
Auto-Owners Associates has a financial health score of 86/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,753 of 4,374; by total assets it ranks #2,551 of 4,374 nationally (same basis as /rankings/largest); and #140 of 171 within Michigan. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 18.39% and delinquency rate of 0.12%.
How does Auto-Owners Associates compare to other credit unions?
Five weighted metrics from NCUA filings produce Auto-Owners Associates's 86/100 score on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 Auto-Owners Associates?
Membership eligibility for Auto-Owners Associates depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Auto-Owners Associates directly for current membership requirements and application steps.
Is my money safe at Auto-Owners Associates?
Federal credit unions like Auto-Owners Associates 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. Auto-Owners Associates's net worth ratio of 18.39% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Auto-Owners Associates offer compared to banks?
Credit unions like Auto-Owners Associates 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 Auto-Owners Associates 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.