Federal credit union · FARMINGTON, Michigan · NCUA charter #6871
CHIROPRACTIC
Health score 81/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 81
- Health / 100
- $41.1M
- Total assets
- 2,633
- Members
- 15.0%
- Net-worth ratio
CHIROPRACTIC scores 81/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $41.1M; members 2,633; net-worth ratio 15.00%; health rank #2,562 of 4,374; healthier than 39th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#2,562 of 4,374 health · 2025Q4CHIROPRACTIC · health 81/100 · $41.1M · 2025Q4
Call Report peers
CHIROPRACTIC in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
CHIROPRACTIC vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); CHIROPRACTIC sits in 80-84 with 767 others.
81 39th percentile higher than 39% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
CHIROPRACTIC vs $10M–$50M peers
- Delinquency Rate leads the peer set - 0.55% here, 1.15% peer average (-0.60 pp).
- Loan-to-Share Ratio trails the peer set - 52.34% here, 59.80% peer average (-7.46 pp).
Michigan standing for CHIROPRACTIC
- Michigan health ordinal: #131 of 171.
- Michigan assets place: #142 of 171.
- Membership ranks #144 of 171 among Michigan CUs with a reported count (2,633 members).
- One place up in Michigan, American 1 (#130) ties at 81/100; one place down, Diversified Members (#132) ties at 81/100.
How CHIROPRACTIC's 5300 filing moved
CHIROPRACTIC: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -0.6% from $41.1M (2025Q4) to $40.8M (2026Q1).
- Net-worth ratio shifted +0.29 pp (14.71% → 15.00%).
At 15.00%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 81/100 score is built
CHIROPRACTIC gives up 19 points in total. Member Growth costs the most, 14.5 of its 15; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 24.5 pts
- Return on Assets 15.0 pts
- Member Growth 0.5 pts
- Loan-to-Share Ratio 11.0 pts
CHIROPRACTIC health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 15.00% | +0.14 pp |
| Delinquency Rate | 0.55% | -0.60 pp |
| Return on Assets | 0.63% | -0.07 pp |
| Member Growth | -4.71% | - |
| Loan-to-Share Ratio | 52.34% | -7.46 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $40.8M | - |
| 2025Q4 | $41.1M | 2,633 |
| 2024Q4 | $39.4M | 2,763 |
| 2023Q4 | $41.4M | 2,793 |
Credit Union Details
- Charter Number
- 6871
- Type
- Federal
- Field of Membership
- Other/Community
- Peer Group
- $10M–$50M
- State
- Michigan
- City
- FARMINGTON
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, CHIROPRACTIC runs one office.
| Office | City |
|---|---|
| Chiropractic Federal Credit Union (Main Office) | Farmington, 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.
CHIROPRACTIC nationwide neighbourhoods
Similar total assets
Using this data
- CHIROPRACTIC ranks #2,562 of 4,374 nationally on financial health and #131 of 171 in MI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Port City is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Port City
Frequently Asked Questions
Is CHIROPRACTIC financially healthy?
CHIROPRACTIC has a financial health score of 81/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,562 of 4,374 nationally on health and #131 of 171 in Michigan. Its net worth ratio is 15.00% and its delinquency rate 0.55%.
How does CHIROPRACTIC compare to other credit unions?
CHIROPRACTIC scores 81/100, higher than 39% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is delinquency rate (0.55% vs 1.15%). Its widest shortfall is loan-to-share ratio (52.34% vs 59.80%).
How can I join CHIROPRACTIC?
CHIROPRACTIC 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 CHIROPRACTIC directly for the exact boundaries and application steps.
Is my money safe at CHIROPRACTIC?
CHIROPRACTIC 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. CHIROPRACTIC's net worth ratio of 15.00% 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.