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
Call Report peers
Christian Financial in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); Christian Financial sits in 95-99 with 391 others.
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
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).
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).
- One place up in Michigan, Soo Co-Op (#1) ties at 99/100; one place down, Lake Michigan (#3) scores 97/100, 2 points lower.
Quarter path for Christian Financial
Christian Financial: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.0% from $1.09B (2025Q4) to $1.11B (2026Q1).
- Net-worth ratio shifted -0.10 pp (9.86% → 9.76%).
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
Christian Financial gives up 1 points in total. Net Worth Ratio costs the most, 0.6 of its 30; Delinquency Rate and Return on Assets and Member Growth and Loan-to-Share Ratio score full marks.
- 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 |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is Christian Financial financially healthy?
Christian Financial has a financial health score of 99/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #71 of 4,374 nationally on health and #2 of 171 in Michigan. Its net worth ratio is 9.76% and its delinquency rate 0.31%.
How does Christian Financial compare to other credit unions?
Christian Financial scores 99/100, higher than 98% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is delinquency rate (0.31% vs 0.87%). Its widest shortfall is loan-to-share ratio (81.69% vs 83.90%).
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?
Christian 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. Christian Financial's net worth ratio of 9.76% 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.