Federal credit union · Rochester Hills, Michigan · NCUA charter #4271
Chief Financial
Health score 88/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 88
- Health / 100
- $248.1M
- Total assets
- 21,069
- Members
- 9.6%
- Net-worth ratio
Chief Financial scores 88/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $248.1M; members 21,069; net-worth ratio 9.57%; health rank #1,509 of 4,374; healthier than 65th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#1,509 of 4,374 health · 2025Q4Chief Financial · health 88/100 · $248.1M · 2025Q4
- HEALTH 88/100
- NW 9.6%
- DELQ 0.49%
- ROA 0.03%
- ASSETS $248.1M
- MEM 21,069
- RANK #1,509/4,374
- PHOTO Finger Lakes
- BOOK 4271
Call Report peers
Chief Financial in the assets neighbourhood
Chief Financial's $248.1M assets sit next to Finger Lakes ($247.9M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Chief Financial vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
88 Top 35% higher than 65% 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
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: Call Report deltas vs peers
- Strongest edge vs 1069 $100M–$500M peers is Loan-to-Share Ratio: +6.90 pp (79.10% vs 72.20%).
- Largest lag: Net Worth Ratio at 9.57% vs peer 12.11% (-2.54 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Michigan standing for Chief Financial
- Michigan health ordinal: #71 of 171.
- Assets rank #73 of 171 inside Michigan ($248.1M reported).
- Member book place in Michigan: #62 of 171.
In-state ordinals use the live credit_unions table for MI only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for Chief Financial
Chief Financial: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.0% from $248.1M (2025Q4) to $255.5M (2026Q1).
- Net-worth ratio shifted -0.17 pp (9.74% → 9.57%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 9.57% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 88/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 88.
- Net Worth Ratio 28.9 pts
- Delinquency Rate 25.0 pts
- Return on Assets 6.0 pts
- Member Growth 13.2 pts
- Loan-to-Share Ratio 14.9 pts
Chief Financial health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.57% | -2.54 pp |
| Delinquency Rate | 0.49% | -0.41 pp |
| Return on Assets | 0.03% | -0.59 pp |
| Member Growth | 3.53% | - |
| Loan-to-Share Ratio | 79.10% | +6.90 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Call Report history - Chief Financial
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $255.5M | - |
| 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
Branch Locations (5)
The NCUA branch filing lists 5 physical offices for Chief Financial, spread across 5 cities.
| Office | City |
|---|---|
| Headquarters (Main Office) | Rochester Hills, MI |
| Dearborn Branch | Dearborn, MI |
| Pontiac Branch | Pontiac, MI |
| Rochester Branch | Rochester, MI |
| Troy Branch | Troy, MI |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Michigan
More federally-insured credit unions based in Michigan, ordered by peer group match and asset size.
Cross-state Call Report peers for Chief Financial
Cross-state asset and health neighbours for Chief Financial - kept outside Michigan; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($248.1M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (88/100 here).
Using this data
- Chief Financial ranks #1,509 of 4,374 nationally on financial health and #71 of 171 in MI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Community West is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Community West
- Rates and health both vary by institution, not just by state -- see how Michigan credit unions compare overall before assuming this one is typical. Michigan state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Chief Financial financially healthy?
Chief Financial has a financial health score of 88/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,509 of 4,374; by total assets it ranks #1,148 of 4,374 nationally (same basis as /rankings/largest); and #73 of 171 within Michigan. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 9.57% and delinquency rate of 0.49%.
How does Chief Financial compare to other credit unions?
PlainCU's health composite puts Chief Financial at 88/100, 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 9.57% 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.
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.