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
Call Report peers
Auto-Owners Associates in the assets neighbourhood
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Auto-Owners Associates vs every NCUA-scored credit union
Auto-Owners Associates sits in the busiest band, 85-89, alongside 857 other credit unions.
86 Top 43% higher than 57% 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 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).
Michigan standing for Auto-Owners Associates
- Michigan health ordinal: #85 of 171.
- Michigan assets place: #140 of 171.
- Michigan membership ordinal: #146 of 171.
- One place up in Michigan, Community Choice (#84) scores 87/100, 1 point higher; one place down, Michigan Columbus (#86) ties at 86/100.
Auto-Owners Associates Call Report trajectory
Auto-Owners Associates: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.3% from $42.0M (2025Q4) to $43.4M (2026Q1).
- Net-worth ratio shifted -0.12 pp (18.51% → 18.39%).
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
Auto-Owners Associates gives up 14 points in total. Loan-to-Share Ratio costs the most, 7.1 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- 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 |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
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
Similar total assets
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
Frequently Asked Questions
Is Auto-Owners Associates financially healthy?
Auto-Owners Associates has a financial health score of 86/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,753 of 4,374 nationally on health and #85 of 171 in Michigan. Its net worth ratio is 18.39% and its delinquency rate 0.12%.
How does Auto-Owners Associates compare to other credit unions?
Auto-Owners Associates scores 86/100, higher than 57% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is net worth ratio (18.39% vs 14.86%). Its widest shortfall is loan-to-share ratio (20.82% vs 59.80%).
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?
Auto-Owners Associates 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. Auto-Owners Associates's net worth ratio of 18.39% 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.