State credit union · PLYMOUTH, Michigan · NCUA charter #68631
Community Financial
Health score 76/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 76
- Health / 100
- $1.47B
- Total assets
- 83,834
- Members
- 10.1%
- Net-worth ratio
Community Financial scores 76/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.47B; members 83,834; net-worth ratio 10.06%; health rank #3,198 of 4,374; healthier than 26th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#3,198 of 4,374 health · 2025Q4Community Financial · health 76/100 · $1.47B · 2025Q4
Call Report peers
Community Financial in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Community Financial vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Community Financial sits in 75-79 with 502 others.
76 26th percentile higher than 26% 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 Financial: Call Report deltas vs peers
- Largest favorable gap: Loan-to-Share Ratio at 97.28% vs peer 83.90% (+13.38 pp).
- Widest shortfall vs peers is Net Worth Ratio: -1.12 pp (10.06% vs 11.18%).
Michigan standing for Community Financial
- Michigan health ordinal: #151 of 171.
- By total assets, Community Financial is #19 of 171 in Michigan.
- Member book place in Michigan: #18 of 171.
- One place up in Michigan, WESTACRES (#150) ties at 76/100; one place down, Country Heritage (#152) scores 75/100, 1 point lower.
Quarter path for Community Financial
Community Financial: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.3% from $1.47B (2025Q4) to $1.48B (2026Q1).
- Net-worth ratio shifted -0.16 pp (10.22% → 10.06%).
10.06% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 76/100 score is built
Community Financial gives up 24 points in total. Return on Assets costs the most, 8.8 of its 15; Net Worth Ratio scores full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 19.8 pts
- Return on Assets 6.2 pts
- Member Growth 8.7 pts
- Loan-to-Share Ratio 11.3 pts
Community Financial health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.06% | -1.12 pp |
| Delinquency Rate | 1.03% | +0.15 pp |
| Return on Assets | 0.04% | -0.47 pp |
| Member Growth | -0.19% | - |
| Loan-to-Share Ratio | 97.28% | +13.38 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.48B | - |
| 2025Q4 | $1.47B | 83,834 |
| 2024Q4 | $1.58B | 83,996 |
| 2023Q4 | $1.59B | 83,566 |
Credit Union Details
- Charter Number
- 68631
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Michigan
- City
- PLYMOUTH
- Data Quarter
- 2025Q4
Branch Locations (13)
The NCUA branch filing lists 13 physical offices for Community Financial, spread across 12 cities.
| Office | City |
|---|---|
| CORPORATE OFFICE PLYMOUTH (Main Office) | PLYMOUTH, MI |
| COMMUNITY FINANCIAL ATLANTA | Atlanta, MI |
| COMMUNITY FINANCIAL CANTON CENTER | CANTON, MI |
| COMMUNITY FINANCIAL MICHIGAN AVE | CANTON, MI |
| Detroit - Grand River | Detroit, MI |
| COMMUNITY FINANCIAL NORTH GAYLORD | Gaylord, MI |
| COMMUNITY FINANCIAL HILLMAN | HILLMAN, MI |
| COMMUNITY FINANCIAL LEWISTON | LEWISTON, MI |
| COMMUNITY FINANCIAL LIVONIA EAST | LIVONIA, MI |
| COMMUNITY FINANCIAL NORTHVILLE | NORTHVILLE, MI |
| West Bloomfield | West Bloomfield, MI |
| COMMUNITY FINANCIAL WESTLAND | WESTLAND, MI |
| COMMUNITY FINANCIAL WIXOM | WIXOM, MI |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Michigan
A look at other Michigan credit unions, ranked by how closely their peer group and asset size match this one.
Community Financial nationwide neighbourhoods
Using this data
- Community Financial ranks #3,198 of 4,374 nationally on financial health and #151 of 171 in MI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Michigan First is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Michigan First
Frequently Asked Questions
Is Community Financial financially healthy?
Community Financial has a financial health score of 76/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,198 of 4,374 nationally on health and #151 of 171 in Michigan. Its net worth ratio is 10.06% and its delinquency rate 1.03%.
How does Community Financial compare to other credit unions?
Community Financial scores 76/100, higher than 26% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (97.28% vs 83.90%). Its widest shortfall is net worth ratio (10.06% vs 11.18%).
How can I join Community Financial?
Membership eligibility for Community Financial depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Community Financial directly for current membership requirements and application steps.
Is my money safe at Community Financial?
Community 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. Community Financial's net worth ratio of 10.06% 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.