State credit union · MUSKEGON, Michigan · NCUA charter #62027
Best Financial
Health score 72/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 72
- Health / 100
- $143.4M
- Total assets
- 12,770
- Members
- 14.6%
- Net-worth ratio
Best Financial scores 72/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $143.4M; members 12,770; net-worth ratio 14.56%; health rank #3,459 of 4,374; healthier than 20th of scored peers.
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NCUA 5300 Call Report Masthead
#3,459 of 4,374 health · 2025Q4Best Financial · health 72/100 · $143.4M · 2025Q4
Call Report peers
Best Financial in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Best Financial vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Best Financial sits in 70-74 with 317 others.
72 20th percentile higher than 20% 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
Best Financial: Call Report deltas vs peers
- Largest favorable gap: Loan-to-Share Ratio at 87.94% vs peer 72.20% (+15.74 pp).
- Widest shortfall vs peers is Return on Assets: -0.50 pp (0.12% vs 0.62%).
Best Financial: in-state Call Report ranks
- Michigan health ordinal: #158 of 171.
- Assets rank #96 of 171 inside Michigan ($143.4M reported).
- Membership ranks #86 of 171 among Michigan CUs with a reported count (12,770 members).
- One place up in Michigan, A.B.D. (#157) scores 73/100, 1 point higher; one place down, Lake Huron (#159) ties at 72/100.
Best Financial Call Report trajectory
Best Financial: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +8.8% from $143.4M (2025Q4) to $156.1M (2026Q1).
- Net-worth ratio shifted -1.28 pp (15.84% → 14.56%).
At 14.56%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 72/100 score is built
Best Financial gives up 28 points in total. Member Growth costs the most, 15 of its 15; Net Worth Ratio and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 18.2 pts
- Return on Assets 9.3 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 14.5 pts
Best Financial health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 14.56% | +2.45 pp |
| Delinquency Rate | 1.24% | +0.35 pp |
| Return on Assets | 0.12% | -0.50 pp |
| Member Growth | -5.37% | - |
| Loan-to-Share Ratio | 87.94% | +15.74 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Best Financial filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $156.1M | - |
| 2025Q4 | $143.4M | 12,770 |
| 2024Q4 | $138.7M | 13,495 |
| 2023Q4 | $139.0M | 13,254 |
Credit Union Details
- Charter Number
- 62027
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Michigan
- City
- MUSKEGON
- Data Quarter
- 2025Q4
Branch Locations (2)
Best Financial operates 2 offices across 2 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Best Financial Credit Union (Main Office) | Muskegon, MI |
| Best Financial Credit Union Spring Lake Branch | Spring Lake, 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.
Cross-state Call Report peers for Best Financial
Using this data
- Best Financial ranks #3,459 of 4,374 nationally on financial health and #158 of 171 in MI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Consumers Professional is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Consumers Professional
Frequently Asked Questions
Is Best Financial financially healthy?
Best Financial has a financial health score of 72/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,459 of 4,374 nationally on health and #158 of 171 in Michigan. Its net worth ratio is 14.56% and its delinquency rate 1.24%.
How does Best Financial compare to other credit unions?
Best Financial scores 72/100, higher than 20% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (87.94% vs 72.20%). Its widest shortfall is return on assets (0.12% vs 0.62%).
How can I join Best Financial?
Membership eligibility for Best Financial depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Best Financial directly for current membership requirements and application steps.
Is my money safe at Best Financial?
Best Financial 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. Best Financial's net worth ratio of 14.56% 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.