State credit union · LANSING, Michigan · NCUA charter #60947
Consumers Professional
Health score 85/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 85
- Health / 100
- $144.6M
- Total assets
- 7,186
- Members
- 13.2%
- Net-worth ratio
Consumers Professional - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #60947. See our deposit-insurance coverage note.
Consumers Professional - Five Health Pillars
Below, five 0-100 sub-scores, one per pillar of the composite. Weight and sum them and the result matches the headline health score above exactly - same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)100
- Earnings (ROA)100
- Member growth29
- Liquidity (loan-to-share)70
Weighted composite: 85/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
13.22% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 13.22% | 30% |
| Delinquency Rate | 0.30% | 25% |
| Return on Assets | 1.25% | 15% |
| Member Growth | -2.62% | 15% |
| Loan-to-Share Ratio | 50.23% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $144.6M | 7,186 |
| 2024Q4 | $134.6M | 7,379 |
| 2023Q4 | $134.1M | 7,795 |
Credit Union Details
- Charter Number
- 60947
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Michigan
- City
- LANSING
- Data Quarter
- 2025Q4
What This Data Says About Consumers Professional
The five-factor composite scores Consumers Professional at 85/100 (Excellent), reflecting a net worth ratio of 13.22% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. This state credit union, headquartered in LANSING, Michigan, reports 7,186 members, $144.6M in total assets, and $60.6M in outstanding loans as of Q4 2025 under charter #60947 (peer group $100M–$500M, a cohort of 1069 similarly-sized institutions).
Two more numbers round out the picture: a 0.30% delinquency rate (loans 60+ days past due against the total book) - the peer group average for $100M–$500M credit unions sits at 0.894%, so this institution is running tighter than peers - and a 50.23% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Return on assets stands at 1.25% on net income of $1.8M for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -2.62%. All of the above reflects the 2025Q4 quarterly NCUA 5300 Call Report. Who can join depends on the field of membership (currently: Other); our disclaimer covers NCUSIF deposit-insurance coverage and how to use this data responsibly.
Nearby Credit Unions in Michigan
Other federally-insured credit unions in Michigan, closest first by peer group and asset size.
- IRON MOUNTAIN KINGSFORD COMMUNITYKINGSFORD, MI · $100M–$500M84Health
- BEST FINANCIALMUSKEGON, MI · $100M–$500M72Health
- COMMUNITY FIRSTLAKEVIEW, MI · $100M–$500M84Health
- FINANCIALEDGEBay City, MI · $100M–$500M87Health
- LENCOAdrian, MI · $100M–$500M95Health
Compare Consumers Professional vs IRON MOUNTAIN KINGSFORD COMMUNITY
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Consumers Professional financially healthy?
A 13.22% net worth ratio and a 0.30% delinquency rate feed into Consumers Professional's financial health score of 85/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Consumers Professional compare to other credit unions?
Five weighted metrics from NCUA filings produce Consumers Professional's 85/100 score on PlainCU's health composite, compared to a peer group average for $100M–$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 Consumers Professional?
Membership eligibility for Consumers Professional depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Consumers Professional directly for current membership requirements and application steps.
Is my money safe at Consumers Professional?
Federal credit unions like Consumers Professional 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 Professional's net worth ratio of 13.22% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Consumers Professional offer compared to banks?
Credit unions like Consumers Professional 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 Professional directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
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.