Federal credit union · Rochester Hills, Michigan · NCUA charter #4271
Chief Financial
Health score 83/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 83
- Health / 100
- $248.1M
- Total assets
- 21,069
- Members
- 7.6%
- Net-worth ratio
Chief Financial - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #4271: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Chief Financial - Five Health Pillars
The five bars below are this credit union's pillar-level 0-100 sub-scores. Sum the weighted pillars and you get the headline health score above - same NCUA 5300 data, no normalisation tricks applied.
- Capital (net worth ratio)80
- Asset quality (delinquency)100
- Earnings (ROA)40
- Member growth88
- Liquidity (loan-to-share)100
Weighted composite: 83/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 7.62% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 7.62% | 30% |
| Delinquency Rate | 0.49% | 25% |
| Return on Assets | 0.03% | 15% |
| Member Growth | 3.53% | 15% |
| Loan-to-Share Ratio | 79.10% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $248.1M | 21,069 |
| 2024Q4 | $210.4M | 20,350 |
| 2023Q4 | $212.4M | 21,465 |
Credit Union Details
- Charter Number
- 4271
- Type
- Federal
- Field of Membership
- Select Employee Group
- Peer Group
- $100M–$500M
- State
- Michigan
- City
- Rochester Hills
- Data Quarter
- 2025Q4
What This Data Says About Chief Financial
Headquartered in Rochester Hills, Michigan, Chief Financial is a federal credit union with 21,069 members, $248.1M in total assets, and $177.0M in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 83/100 (Excellent), driven in part by a net worth ratio of 7.62% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #4271 and reports within peer group $100M–$500M, a cohort of 1069 similarly-sized institutions.
On loan book quality: 0.49% of loans are 60+ days past due against the total loan book - the peer group average for $100M–$500M credit unions sits at 0.894%, so this institution is running tighter than peers. Meanwhile a 79.10% loan-to-share ratio shows how aggressively member deposits get deployed into lending, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at 0.03% on net income of $83K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 3.53%. All of the above reflects the 2025Q4 quarterly NCUA 5300 Call Report. Who can join depends on the field of membership (currently: Select Employee Group); our disclaimer covers NCUSIF deposit-insurance coverage and how to use this data responsibly.
Nearby Credit Unions in Michigan
More federally-insured credit unions based in Michigan, ordered by peer group match and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Chief Financial financially healthy?
Chief Financial has a financial health score of 83/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 7.62% and delinquency rate of 0.49%.
How does Chief Financial compare to other credit unions?
PlainCU's health composite puts Chief Financial at 83/100, compared to a peer group average for $100M–$500M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), delinquency rate (25%), return on assets (15%), member growth (15%), and 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 Chief Financial?
Chief Financial serves multiple common-bond groups, membership usually requires belonging to one of several qualifying employers, associations, or organizations the credit union has chartered to serve. Contact Chief Financial directly for the current list of qualifying groups.
Is my money safe at Chief Financial?
Federal credit unions like Chief Financial 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. Chief Financial's net worth ratio of 7.62% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Chief Financial offer compared to banks?
Credit unions like Chief Financial 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 Chief Financial directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
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.