Federal credit union · ONAWAY, Michigan · NCUA charter #7465
AWAKON
Health score 89/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 89
- Health / 100
- $197.3M
- Total assets
- 14,774
- Members
- 13.3%
- Net-worth ratio
AWAKON scores 89/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $197.3M; members 14,774; net-worth ratio 13.29%; health rank #1,238 of 4,374; healthier than 69th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#1,238 of 4,374 health · 2025Q4AWAKON · health 89/100 · $197.3M · 2025Q4
Call Report peers
AWAKON in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
AWAKON vs every NCUA-scored credit union
AWAKON sits in the busiest band, 85-89, alongside 857 other credit unions.
89 Top 31% higher than 69% 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
Peer-gap read for AWAKON
- Loan-to-Share Ratio leads the peer set - 81.03% here, 72.20% peer average (+8.83 pp).
- Widest shortfall vs peers is Delinquency Rate: +0.33 pp (1.23% vs 0.89%).
AWAKON in Michigan
- In Michigan, health place is #55 of 171 on the same NCUA-ratio sort used nationally.
- By total assets, AWAKON is #80 of 171 in Michigan.
- Membership ranks #80 of 171 among Michigan CUs with a reported count (14,774 members).
- One place up in Michigan, TRI-CITIES (#54) ties at 89/100; one place down, West Michigan Postal Service (#56) ties at 89/100.
Quarter path for AWAKON
AWAKON: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.3% from $197.3M (2025Q4) to $201.9M (2026Q1).
- Net-worth ratio shifted +0.10 pp (13.19% → 13.29%).
At 13.29%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 89/100 score is built
AWAKON gives up 11 points in total. Delinquency Rate costs the most, 6.7 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 18.3 pts
- Return on Assets 15.0 pts
- Member Growth 10.4 pts
- Loan-to-Share Ratio 15.3 pts
AWAKON health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.29% | +1.18 pp |
| Delinquency Rate | 1.23% | +0.33 pp |
| Return on Assets | 1.31% | +0.69 pp |
| Member Growth | 1.14% | - |
| Loan-to-Share Ratio | 81.03% | +8.83 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
AWAKON quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $201.9M | - |
| 2025Q4 | $197.3M | 14,774 |
| 2024Q4 | $188.2M | 14,608 |
| 2023Q4 | $184.3M | 14,598 |
Credit Union Details
- Charter Number
- 7465
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Michigan
- City
- ONAWAY
- Data Quarter
- 2025Q4
Branch Locations (6)
AWAKON operates 6 offices across 6 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Awakon Federal Credit Union (Main Office) | Onaway, MI |
| Awakon Federal Credit Union | Gaylord, MI |
| Awakon Federal Credit Union | Indian River, MI |
| Petoskey Meijer Branch | Petoskey, MI |
| Awakon Federal Credit Union | Rogers City, MI |
| Awakon Federal Credit Union | Wolverine, MI |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Michigan
A look at other Michigan credit unions, ranked by how closely their peer group and asset size match this one.
Other-state peers near AWAKON
Similar total assets
Similar health score
Using this data
- AWAKON ranks #1,238 of 4,374 nationally on financial health and #55 of 171 in MI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- TRUNORTH is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with TRUNORTH
Frequently Asked Questions
Is AWAKON financially healthy?
AWAKON has a financial health score of 89/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,238 of 4,374 nationally on health and #55 of 171 in Michigan. Its net worth ratio is 13.29% and its delinquency rate 1.23%.
How does AWAKON compare to other credit unions?
AWAKON scores 89/100, higher than 69% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (81.03% vs 72.20%). Its widest shortfall is delinquency rate (1.23% vs 0.89%).
How can I join AWAKON?
AWAKON operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact AWAKON directly for the exact boundaries and application steps.
Is my money safe at AWAKON?
AWAKON is a federal 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. AWAKON's net worth ratio of 13.29% 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.