State credit union · Farmington Hill, Michigan · NCUA charter #64880
Community Choice
Health score 87/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 87
- Health / 100
- $2.00B
- Total assets
- 115,153
- Members
- 9.4%
- Net-worth ratio
Community Choice scores 87/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $2.00B; members 115,153; net-worth ratio 9.36%; health rank #1,713 of 4,374; healthier than 60th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#1,713 of 4,374 health · 2025Q4Community Choice · health 87/100 · $2.00B · 2025Q4
- MEM 87/100
- RANK 9.4%
- PHOTO 0.70%
- BOOK 0.33%
- CHARTER $2.00B
- NCUSIF 115,153
- CAMELS #1,713/4,374
- HEALTH Dupont Community
- NW 64880
Call Report peers
Community Choice in the assets neighbourhood
Community Choice's $2.00B assets sit next to Dupont Community ($2.00B) 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.
Community Choice 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
87 Top 40% higher than 60% 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
Community Choice - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #64880 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Peer-gap read for Community Choice
- Largest favorable gap: Loan-to-Share Ratio at 93.00% vs peer 83.90% (+9.10 pp).
- Widest shortfall vs peers is Net Worth Ratio: -1.82 pp (9.36% vs 11.18%).
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 Community Choice
- In Michigan, health place is #84 of 171 on the same NCUA-ratio sort used nationally.
- Michigan assets place: #12 of 171.
- Member book place in Michigan: #13 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.
Community Choice Call Report trajectory
Community Choice: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.6% from $2.00B (2025Q4) to $2.07B (2026Q1).
- Net-worth ratio shifted +0.10 pp (9.26% → 9.36%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 9.36% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 87/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 87.
- Net Worth Ratio 28.4 pts
- Delinquency Rate 23.0 pts
- Return on Assets 12.4 pts
- Member Growth 10.0 pts
- Loan-to-Share Ratio 13.2 pts
Community Choice health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.36% | -1.82 pp |
| Delinquency Rate | 0.70% | -0.17 pp |
| Return on Assets | 0.33% | -0.18 pp |
| Member Growth | 0.81% | - |
| Loan-to-Share Ratio | 93.00% | +9.10 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).
Community Choice quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $2.07B | - |
| 2025Q4 | $2.00B | 115,153 |
| 2024Q4 | $1.84B | 114,233 |
| 2023Q4 | $1.79B | 114,928 |
Credit Union Details
- Charter Number
- 64880
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Michigan
- City
- Farmington Hill
- Data Quarter
- 2025Q4
Branch Locations (23)
The NCUA branch filing lists 23 physical offices for Community Choice, spread across 20 cities.
| Office | City |
|---|---|
| Community Choice Credit Union (Main Office) | Farmington Hills, MI |
| 26 Commerce Township | Commerce Township, MI |
| 09 Dearborn Heights Member Center | Dearborn Heights, MI |
| 16 Eastpointe Member Center | Eastpointe, MI |
| 27 Farmington Hills - 12 Mile | Farmington Hills, MI |
| 18 Hillsdale Member Center | Hillsdale, MI |
| 13 Holland Member Center | Holland, MI |
| 17 Jackson Member Center | Jackson, MI |
| 10 Livonia Member Center | Livonia, MI |
| 50 Livonia/Westland Member Center | Livonia, MI |
| 21 Michigan Center Office | Michigan Center, MI |
| 02 Milford Member Center | Milford, MI |
| 04 Harvey Street | Muskegon, MI |
| 25 Muskegon-Western | Muskegon, MI |
| 03 New Hudson Office | New Hudson, MI |
| 08 Northville Member Center | Northville, MI |
| 20 Redford Member Center | Redford, MI |
| 22 Roseville | Roseville, MI |
| 07 Royal Oak Member Center | Royal Oak, MI |
| 11 Shelby Township Member Center | Shelby Township, MI |
| 06 Troy Member Center | Troy, MI |
| 01 Warren Member Center | Warren, MI |
| 12 Wyandotte Member Center | Wyandotte, 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.
Nationwide credit unions with similar profiles
Community Choice's nationwide photo peers by assets and by health score, excluding Michigan charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($2.00B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (87/100 here).
Using this data
- Community Choice ranks #1,713 of 4,374 nationally on financial health and #84 of 171 in MI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- ELGA is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with ELGA
- 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 Community Choice financially healthy?
A 9.36% net worth ratio and a 0.70% delinquency rate feed into Community Choice's financial health score of 87/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,713 of 4,374; by total assets it ranks #261 of 4,374 nationally (same basis as /rankings/largest); and #12 of 171 within Michigan. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Community Choice compare to other credit unions?
Five weighted metrics from NCUA filings produce Community Choice's 87/100 score on PlainCU's health composite, compared to a peer group average for Over $500M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 Community Choice?
Membership eligibility for Community Choice depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Community Choice directly for current membership requirements and application steps.
Is my money safe at Community Choice?
Federal credit unions like Community Choice 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. Community Choice's net worth ratio of 9.36% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Community Choice offer compared to banks?
Credit unions like Community Choice 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 Community Choice 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.