Federal credit union · Brownstown, Michigan · NCUA charter #14098
Community Focus
Health score 76/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 76
- Health / 100
- $66.3M
- Total assets
- 4,680
- Members
- 13.9%
- Net-worth ratio
Community Focus scores 76/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $66.3M; members 4,680; net-worth ratio 13.88%; health rank #3,167 of 4,374; healthier than 26th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#3,167 of 4,374 health · 2025Q4Community Focus · health 76/100 · $66.3M · 2025Q4
- NW 76/100
- DELQ 13.9%
- ROA 0.78%
- ASSETS -0.14%
- MEM $66.3M
- RANK 4,680
- PHOTO #3,167/4,374
- BOOK Embarrass Vermillion
- CHARTER 14098
Call Report peers
Community Focus in the assets neighbourhood
Community Focus's $66.3M assets sit next to Embarrass Vermillion ($66.0M) 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 Focus 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
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 Focus - Share Insurance Coverage
Charter #14098's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Community Focus vs $50M–$100M peers
- Largest favorable gap: Net Worth Ratio at 13.88% vs peer 13.62% (+0.26 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -9.32 pp (53.28% vs 62.60%).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Michigan standing for Community Focus
- In Michigan, health place is #149 of 171 on the same NCUA-ratio sort used nationally.
- Michigan assets place: #127 of 171.
- Michigan membership ordinal: #127 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.
Quarter path for Community Focus
Community Focus: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.9% from $66.3M (2025Q4) to $68.9M (2026Q1).
- Net-worth ratio shifted -0.60 pp (14.48% → 13.88%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 13.88%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 76/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 76.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 22.2 pts
- Return on Assets 3.2 pts
- Member Growth 9.2 pts
- Loan-to-Share Ratio 11.4 pts
Community Focus vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.88% | +0.26 pp |
| Delinquency Rate | 0.78% | -0.19 pp |
| Return on Assets | -0.14% | -0.80 pp |
| Member Growth | 0.13% | - |
| Loan-to-Share Ratio | 53.28% | -9.32 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Community Focus filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $68.9M | - |
| 2025Q4 | $66.3M | 4,680 |
| 2024Q4 | $64.0M | 4,674 |
| 2023Q4 | $68.6M | 4,815 |
Credit Union Details
- Charter Number
- 14098
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- Michigan
- City
- Brownstown
- Data Quarter
- 2025Q4
Branch Locations (4)
Per its most recent NCUA branch filing, Community Focus runs 4 offices in 2 different cities.
| Office | City |
|---|---|
| Community Focus Federal Credit Union (Main Office) | Brownstown, MI |
| Community Focus Federal Credti Union | Brownstown, MI |
| Community Focus Federal Credit Union | Ecorse, MI |
| Community Focus Federal Credit Union | Ecorse, 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.
Other-state peers near Community Focus
Cross-state asset and health neighbours for Community Focus - kept outside Michigan; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($66.3M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (76/100 here).
Using this data
- Community Focus ranks #3,167 of 4,374 nationally on financial health and #149 of 171 in MI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Tahquamenon Area is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Tahquamenon Area
- 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 Focus financially healthy?
Yes/no aside, the number is 76/100 (Very Good) - Community Focus's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,167 of 4,374; by total assets it ranks #2,180 of 4,374 nationally (same basis as /rankings/largest); and #127 of 171 within Michigan. Above 80 reads excellent, below 50 warrants closer monitoring; a 13.88% net worth ratio and 0.78% delinquency rate are the key drivers.
How does Community Focus compare to other credit unions?
On PlainCU's health composite, Community Focus lands at 76/100, compared to a peer group average for $50M–$100M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), delinquency rate (25%), return on assets (15%), member growth (15%), and 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 Focus?
Community Focus 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 Community Focus directly for the exact boundaries and application steps.
Is my money safe at Community Focus?
Federal credit unions like Community Focus 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 Focus's net worth ratio of 13.88% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Community Focus offer compared to banks?
Credit unions like Community Focus 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 Focus 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.