State credit union · Oshtemo, Michigan · NCUA charter #62172
CONSUMERS
Health score 90/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 90
- Health / 100
- $2.69B
- Total assets
- 152,257
- Members
- 9.1%
- Net-worth ratio
CONSUMERS scores 90/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $2.69B; members 152,257; net-worth ratio 9.08%; health rank #1,166 of 4,374; healthier than 73rd of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#1,166 of 4,374 health · 2025Q4CONSUMERS · health 90/100 · $2.69B · 2025Q4
Call Report peers
CONSUMERS in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
CONSUMERS vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); CONSUMERS sits in 90-94 with 747 others.
90 Top 27% higher than 73% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
CONSUMERS: Call Report deltas vs peers
- Largest favorable gap: Loan-to-Share Ratio at 107.34% vs peer 83.90% (+23.44 pp).
- Widest shortfall vs peers is Net Worth Ratio: -2.10 pp (9.08% vs 11.18%).
Where CONSUMERS sits in Michigan
- Health composite ranks #50 of 171 among scored Michigan credit unions.
- By total assets, CONSUMERS is #9 of 171 in Michigan.
- Michigan membership ordinal: #10 of 171.
- One place up in Michigan, OUR (#49) ties at 90/100; one place down, Gr Consumers (#51) scores 89/100, 1 point lower.
CONSUMERS Call Report trajectory
CONSUMERS: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +6.4% from $2.69B (2025Q4) to $2.86B (2026Q1).
- Net-worth ratio shifted -0.34 pp (9.42% → 9.08%).
This credit union's 9.08% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 90/100 score is built
CONSUMERS gives up 10 points in total. Loan-to-Share Ratio costs the most, 7.3 of its 15; Delinquency Rate and Return on Assets and Member Growth score full marks.
- Net Worth Ratio 27.7 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 7.3 pts
Call Report ratios for CONSUMERS
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.08% | -2.10 pp |
| Delinquency Rate | 0.40% | -0.47 pp |
| Return on Assets | 0.81% | +0.31 pp |
| Member Growth | 5.61% | - |
| Loan-to-Share Ratio | 107.34% | +23.44 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
CONSUMERS quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $2.86B | - |
| 2025Q4 | $2.69B | 152,257 |
| 2024Q4 | $2.42B | 144,166 |
| 2023Q4 | $2.21B | 134,825 |
Credit Union Details
- Charter Number
- 62172
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Michigan
- City
- Oshtemo
- Data Quarter
- 2025Q4
Branch Locations (34)
Per its most recent NCUA branch filing, CONSUMERS runs 34 offices in 18 different cities.
| Office | City |
|---|---|
| Groves (Main Office) | Kalamazoo, MI |
| Battle Creek | Battle Creek, MI |
| Coldwater | Coldwater, MI |
| East Lansing | East Lansing, MI |
| Galesburg | Galesburg, MI |
| Grand Haven | Grand Haven, MI |
| Gaines | Grand Rapids, MI |
| Cascade | Grand Rapids, MI |
| Plainfield | Grand Rapids, MI |
| Breton Village | Grand Rapids, MI |
| 54th Street | Grand Rapids, MI |
| Grandville | Grandville, MI |
| Riley | Holland, MI |
| South Washington | Holland, MI |
| West Main | Kalamazoo, MI |
| Gull Road | Kalamazoo, MI |
| 9th Street | Kalamazoo, MI |
| Downtown | Kalamazoo, MI |
| Milwood | Kalamazoo, MI |
| Corner@Drake | Kalamazoo, MI |
| Woods Lake | Kalamazoo, MI |
| Delta Crossings | Lansing, MI |
| Lansing Cedar | Lansing, MI |
| Lake Lansing | Lansing, MI |
| Lawton | Lawton, MI |
| Marshall | Marshall, MI |
| Mattawan | Mattawan, MI |
| Muskegon | Muskegon, MI |
| Roosevelt Park | Muskegon, MI |
| Centre Street | Portage, MI |
| Milham Ave | Portage, MI |
| Rockford | Rockford, MI |
| South Haven | South Haven, MI |
| Walker | Walker, 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 CONSUMERS
Using this data
- CONSUMERS ranks #1,166 of 4,374 nationally on financial health and #50 of 171 in MI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Lake Trust is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Lake Trust
Frequently Asked Questions
Is CONSUMERS financially healthy?
CONSUMERS has a financial health score of 90/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,166 of 4,374 nationally on health and #50 of 171 in Michigan. Its net worth ratio is 9.08% and its delinquency rate 0.40%.
How does CONSUMERS compare to other credit unions?
CONSUMERS scores 90/100, higher than 73% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (107.34% vs 83.90%). Its widest shortfall is net worth ratio (9.08% vs 11.18%).
How can I join CONSUMERS?
Membership eligibility for CONSUMERS depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact CONSUMERS directly for current membership requirements and application steps.
Is my money safe at CONSUMERS?
CONSUMERS 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. CONSUMERS's net worth ratio of 9.08% 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.