Federal credit union · LANSE, Michigan · NCUA charter #7672
Baraga County
Health score 94/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 94
- Health / 100
- $61.0M
- Total assets
- 4,842
- Members
- 10.3%
- Net-worth ratio
Baraga County scores 94/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $61.0M; members 4,842; net-worth ratio 10.25%; health rank #537 of 4,374; healthier than 87th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#537 of 4,374 health · 2025Q4Baraga County · health 94/100 · $61.0M · 2025Q4
Call Report peers
Baraga County in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Baraga County vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Baraga County sits in 90-94 with 747 others.
94 Top 13% higher than 87% 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 Baraga County
- Delinquency Rate leads the peer set - 0.21% here, 0.96% peer average (-0.75 pp).
- Loan-to-Share Ratio trails the peer set - 35.58% here, 62.60% peer average (-27.02 pp).
Michigan standing for Baraga County
- Michigan health ordinal: #20 of 171.
- By total assets, Baraga County is #130 of 171 in Michigan.
- Member book place in Michigan: #126 of 171.
- One place up in Michigan, HARBORLIGHT (#19) ties at 94/100; one place down, THORNAPPLE (#21) ties at 94/100.
Baraga County Call Report trajectory
Baraga County: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.4% from $61.0M (2025Q4) to $62.4M (2026Q1).
- Net-worth ratio shifted +0.03 pp (10.22% → 10.25%).
10.25% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 94/100 score is built
Baraga County gives up 6 points in total. Loan-to-Share Ratio costs the most, 5.8 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets and Member Growth score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 9.0 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.25% | -3.37 pp |
| Delinquency Rate | 0.21% | -0.75 pp |
| Return on Assets | 0.55% | -0.11 pp |
| Member Growth | 7.72% | - |
| Loan-to-Share Ratio | 35.58% | -27.02 pp |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $62.4M | - |
| 2025Q4 | $61.0M | 4,842 |
| 2024Q4 | $56.6M | 4,495 |
| 2023Q4 | $54.2M | 4,504 |
Credit Union Details
- Charter Number
- 7672
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- Michigan
- City
- LANSE
- Data Quarter
- 2025Q4
Branch Location
Baraga County operates a single office in Lanse, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Baraga County Federal Credit Union (Main Office) | Lanse, 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.
Nationwide credit unions with similar profiles
Using this data
- Baraga County ranks #537 of 4,374 nationally on financial health and #20 of 171 in MI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Lincoln Park Community is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Lincoln Park Community
Frequently Asked Questions
Is Baraga County financially healthy?
Baraga County has a financial health score of 94/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #537 of 4,374 nationally on health and #20 of 171 in Michigan. Its net worth ratio is 10.25% and its delinquency rate 0.21%.
How does Baraga County compare to other credit unions?
Baraga County scores 94/100, higher than 87% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is delinquency rate (0.21% vs 0.96%). Its widest shortfall is loan-to-share ratio (35.58% vs 62.60%).
How can I join Baraga County?
Baraga County 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 Baraga County directly for the exact boundaries and application steps.
Is my money safe at Baraga County?
Baraga County 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. Baraga County's net worth ratio of 10.25% 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.