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
A Letter grade on the five-factor composite

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 · 2025Q4

CONSUMERS · health 90/100 · $2.69B · 2025Q4

  • HEALTH 90/100
  • NW 9.1%
  • DELQ 0.40%
  • ROA 0.81%
  • ASSETS $2.69B
  • MEM 152,257
  • RANK #1,166/4,374
  • PHOTO America's First
  • BOOK 62172

Call Report peers

CONSUMERS in the assets neighbourhood

Polish & Slavic$2.71BCONSUMERS (this)$2.69BAmerica's First$2.69BTTCU$2.69BCredit Union of Texas$2.68BTOGETHER$2.66B
Nearest other-state credit unions by total assets (NCUA 5300)

CONSUMERS's $2.69B assets sit next to America's First ($2.69B) 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.

CONSUMERS 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

90 Top 27% higher than 73% 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

CONSUMERS - Share Insurance Coverage

Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #62172. See our deposit-insurance coverage note.

NCUSIF coverage gauge for CONSUMERS Share insurance under NCUSIF covers up to $250,000 per share owner. CONSUMERS holds approximately $2.2B in member shares. Composite CAMELS rating bracket 1 (Strong). Risk-based capital ratio 9.1 percent. Share Insurance Coverage Federal NCUSIF - $250K per share owner 1 2 3 4 5 CAMELS 1 · Strong RBC ratio 9.1% · $2.2B member shares Insured · backed by full faith and credit of the United States
Source: NCUA 5300 Call Report 2025Q4 - share insurance under Title II of the Federal Credit Union Act

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%).

Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.

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.

In-state ordinals use the live credit_unions table for MI only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.

CONSUMERS Call Report trajectory

CONSUMERS: total assets by quarter

4 Call Report filings on this page's own vintage chain

2,000,000,0002,200,000,0002,400,000,0002,600,000,0002,800,000,0003,000,000,000 2023Q42024Q42025Q42026Q1 2,206,395,595 2,862,516,906 ▲ +29.7%
  • Assets moved +6.4% from $2.69B (2025Q4) to $2.86B (2026Q1).
  • Net-worth ratio shifted -0.34 pp (9.42% → 9.08%).

Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.

Net worth ratio vs. NCUA well-capitalized threshold 60.5%

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

Each segment is a pillar's weighted contribution to the composite; widths sum to 90.

  • 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

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).

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.

Compare CONSUMERS vs LAKE TRUST

Other-state peers near CONSUMERS

Two NCUA Call Report peer sets for CONSUMERS, both outside Michigan so the neighborhoods are not state containment (the Nearby list above stays in-state).

Similar health score

Nearest other-state credit unions by five-factor health composite (90/100 here).

Oklahoma Central 90 · OK KEMBA 90 · OH Cleveland Police 90 · OH First Missouri 90 · MO

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
  • 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 CONSUMERS financially healthy?

CONSUMERS has a financial health score of 90/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,166 of 4,374; by total assets it ranks #185 of 4,374 nationally (same basis as /rankings/largest); and #9 of 171 within Michigan. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 9.08% and delinquency rate of 0.40%.

How does CONSUMERS compare to other credit unions?

PlainCU's health composite puts CONSUMERS at 90/100, compared to a peer group average for Over $500M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), 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 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?

Federal credit unions like CONSUMERS 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. CONSUMERS's net worth ratio of 9.08% exceeds the 7% threshold NCUA considers "well capitalized."

What rates does CONSUMERS offer compared to banks?

Credit unions like CONSUMERS 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 CONSUMERS directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.

Data sources

Related

How health scores work →

Data sourced from the NCUA 5300 Call Report (2025Q4) for CONSUMERS. Retrieved and formatted by PlainCU. See our methodology for details.

Disclaimer: Not affiliated with NCUA. For informational purposes only.

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.