State credit union · DRUMMOND ISLAND, Michigan · NCUA charter #62344
Detour Drummond Community
Health score 83/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 83
- Health / 100
- $38.6M
- Total assets
- 2,016
- Members
- 17.6%
- Net-worth ratio
Detour Drummond Community scores 83/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $38.6M; members 2,016; net-worth ratio 17.64%; health rank #2,218 of 4,374; healthier than 46th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#2,218 of 4,374 health · 2025Q4Detour Drummond Community · health 83/100 · $38.6M · 2025Q4
- MEM 83/100
- RANK 17.6%
- PHOTO 0.68%
- BOOK 0.90%
- CHARTER $38.6M
- NCUSIF 2,016
- CAMELS #2,218/4,374
- HEALTH Credit Union of Emporia
- NW 62344
Call Report peers
Detour Drummond Community in the assets neighbourhood
Detour Drummond Community's $38.6M assets sit next to Credit Union of Emporia ($38.7M) 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.
Detour Drummond Community 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
83 46th percentile higher than 46% 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
Detour Drummond Community - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #62344: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Detour Drummond Community: Call Report deltas vs peers
- Strongest edge vs 1163 $10M–$50M peers is Net Worth Ratio: +2.78 pp (17.64% vs 14.86%).
- Widest shortfall vs peers is Loan-to-Share Ratio: -6.07 pp (53.73% vs 59.80%).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Michigan standing for Detour Drummond Community
- Health composite ranks #111 of 171 among scored Michigan credit unions.
- Michigan assets place: #144 of 171.
- Membership ranks #155 of 171 among Michigan CUs with a reported count (2,016 members).
In-state ordinals use the live credit_unions table for MI only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Detour Drummond Community: 2025Q4 → 2026Q1
Detour Drummond Community: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.9% from $38.6M (2025Q4) to $39.0M (2026Q1).
- Net-worth ratio shifted +0.14 pp (17.50% → 17.64%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
17.64% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 83/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 83.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 23.2 pts
- Return on Assets 15.0 pts
- Member Growth 3.2 pts
- Loan-to-Share Ratio 11.6 pts
Call Report ratios for Detour Drummond Community
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 17.64% | +2.78 pp |
| Delinquency Rate | 0.68% | -0.47 pp |
| Return on Assets | 0.90% | +0.19 pp |
| Member Growth | -3.22% | - |
| Loan-to-Share Ratio | 53.73% | -6.07 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Detour Drummond Community filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $39.0M | - |
| 2025Q4 | $38.6M | 2,016 |
| 2024Q4 | $36.7M | 2,083 |
| 2023Q4 | $38.6M | 2,076 |
Credit Union Details
- Charter Number
- 62344
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Michigan
- City
- DRUMMOND ISLAND
- Data Quarter
- 2025Q4
Branch Locations (2)
Detour Drummond Community operates 2 offices across 2 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Detour Drummond Community Credit Union (Main Office) | Drummond Island, MI |
| Detour Drummond Community Credit Union | De Tour Village, MI |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Michigan
More federally-insured credit unions based in Michigan, ordered by peer group match and asset size.
Nationwide credit unions with similar profiles
Cross-state asset and health neighbours for Detour Drummond Community - kept outside Michigan; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($38.6M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (83/100 here).
Using this data
- Detour Drummond Community ranks #2,218 of 4,374 nationally on financial health and #111 of 171 in MI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- First Area is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with First 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 Detour Drummond Community financially healthy?
Detour Drummond Community scores 83/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,218 of 4,374; by total assets it ranks #2,637 of 4,374 nationally (same basis as /rankings/largest); and #144 of 171 within Michigan. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 17.64% net worth ratio and a 0.68% delinquency rate.
How does Detour Drummond Community compare to other credit unions?
83/100 is Detour Drummond Community's score on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 Detour Drummond Community?
Membership eligibility for Detour Drummond Community depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Detour Drummond Community directly for current membership requirements and application steps.
Is my money safe at Detour Drummond Community?
Federal credit unions like Detour Drummond Community 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. Detour Drummond Community's net worth ratio of 17.64% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Detour Drummond Community offer compared to banks?
Credit unions like Detour Drummond Community 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 Detour Drummond Community 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.