State credit union · Sterling Height, Michigan · NCUA charter #63805
Christian Financial
Health score 99/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 99
- Health / 100
- $1.09B
- Total assets
- 61,650
- Members
- 9.8%
- Net-worth ratio
Christian Financial scores 99/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.09B; members 61,650; net-worth ratio 9.76%; health rank #71 of 4,374; healthier than 98th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#71 of 4,374 health · 2025Q4Christian Financial · health 99/100 · $1.09B · 2025Q4
- CHARTER 99/100
- NCUSIF 9.8%
- CAMELS 0.31%
- HEALTH 0.62%
- NW $1.09B
- DELQ 61,650
- ROA #71/4,374
- ASSETS Peach State
- MEM 63805
Call Report peers
Christian Financial in the assets neighbourhood
Christian Financial's $1.09B assets sit next to Peach State ($1.09B) 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.
Christian 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
99 Top 2% higher than 98% 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
Christian Financial - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #63805. See our deposit-insurance coverage note.
Where Christian Financial diverges from peer averages
- Delinquency Rate leads the peer set - 0.31% here, 0.87% peer average (-0.57 pp).
- Largest lag: Loan-to-Share Ratio at 81.69% vs peer 83.90% (-2.21 pp).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Michigan standing for Christian Financial
- Michigan health ordinal: #2 of 171.
- By total assets, Christian Financial is #24 of 171 in Michigan.
- Membership ranks #28 of 171 among Michigan CUs with a reported count (61,650 members).
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 Christian Financial
Christian Financial: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.0% from $1.09B (2025Q4) to $1.11B (2026Q1).
- Net-worth ratio shifted -0.10 pp (9.86% → 9.76%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 9.76%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 99/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 99.
- Net Worth Ratio 29.4 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 14.6 pts
Call Report ratios for Christian Financial
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.76% | -1.42 pp |
| Delinquency Rate | 0.31% | -0.57 pp |
| Return on Assets | 0.62% | +0.11 pp |
| Member Growth | 10.71% | - |
| Loan-to-Share Ratio | 81.69% | -2.21 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Christian Financial quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.11B | - |
| 2025Q4 | $1.09B | 61,650 |
| 2024Q4 | $901.3M | 55,686 |
| 2023Q4 | $847.9M | 56,555 |
Credit Union Details
- Charter Number
- 63805
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Michigan
- City
- Sterling Height
- Data Quarter
- 2025Q4
Branch Locations (13)
The NCUA branch filing lists 13 physical offices for Christian Financial, spread across 11 cities.
| Office | City |
|---|---|
| Westward Way (Main Office) | Sterling Heights, MI |
| Center Line | Center Line, MI |
| Chesterfield | Chesterfield, MI |
| Clinton Township | Clinton Township, MI |
| Harper Woods | Harper Woods, MI |
| Livonia Branch | Livonia, MI |
| Livonia South | Livonia, MI |
| Novi Branch | Novi, MI |
| Plymouth | Plymouth, MI |
| Roseville South | Roseville, MI |
| St. Clair Shores Branch | Saint Clair Shores, MI |
| Shelby | Shelby Township, MI |
| Sterling Heights | Sterling Heights, 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 Christian Financial
Christian Financial's nationwide photo peers by assets and by health score, excluding Michigan charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($1.09B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (99/100 here).
Using this data
- Christian Financial ranks #71 of 4,374 nationally on financial health and #2 of 171 in MI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Michigan Educational is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Michigan Educational
- 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 Christian Financial financially healthy?
Christian Financial has a financial health score of 99/100 (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 #71 of 4,374; by total assets it ranks #438 of 4,374 nationally (same basis as /rankings/largest); and #24 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 9.76% and delinquency rate of 0.31%.
How does Christian Financial compare to other credit unions?
99/100 is Christian Financial's score on PlainCU's health composite, compared to a peer group average for Over $500M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 Christian Financial?
Membership eligibility for Christian Financial depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Christian Financial directly for current membership requirements and application steps.
Is my money safe at Christian Financial?
Federal credit unions like Christian 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. Christian Financial's net worth ratio of 9.76% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Christian Financial offer compared to banks?
Credit unions like Christian 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 Christian 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.