State credit union · Midland, Michigan · NCUA charter #60137
DOW
Health score 91/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 91
- Health / 100
- $2.55B
- Total assets
- 83,732
- Members
- 9.8%
- Net-worth ratio
DOW scores 91/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $2.55B; members 83,732; net-worth ratio 9.79%; health rank #999 of 4,374; healthier than 77th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#999 of 4,374 health · 2025Q4DOW · health 91/100 · $2.55B · 2025Q4
Call Report peers
DOW in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
DOW vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); DOW sits in 90-94 with 747 others.
91 Top 23% higher than 77% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
DOW vs Over $500M peers
- Strongest edge vs 749 Over $500M peers is Delinquency Rate: -0.47 pp (0.41% vs 0.87%).
- Loan-to-Share Ratio trails the peer set - 54.86% here, 83.90% peer average (-29.04 pp).
DOW in Michigan
- Michigan health ordinal: #45 of 171.
- Assets rank #10 of 171 inside Michigan ($2.55B reported).
- Member book place in Michigan: #19 of 171.
- One place up in Michigan, ADVIA (#44) ties at 91/100; one place down, CIRCLE (#46) ties at 91/100.
Quarter path for DOW
DOW: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.4% from $2.55B (2025Q4) to $2.61B (2026Q1).
- Net-worth ratio shifted -0.18 pp (9.97% → 9.79%).
At 9.79%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 91/100 score is built
DOW gives up 9 points in total. Member Growth costs the most, 4.5 of its 15; Delinquency Rate scores full marks.
- Net Worth Ratio 29.5 pts
- Delinquency Rate 25.0 pts
- Return on Assets 14.8 pts
- Member Growth 10.5 pts
- Loan-to-Share Ratio 11.2 pts
DOW health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.79% | -1.39 pp |
| Delinquency Rate | 0.41% | -0.47 pp |
| Return on Assets | 0.49% | -0.02 pp |
| Member Growth | 1.24% | - |
| Loan-to-Share Ratio | 54.86% | -29.04 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $2.61B | - |
| 2025Q4 | $2.55B | 83,732 |
| 2024Q4 | $2.39B | 82,706 |
| 2023Q4 | $2.20B | 80,993 |
Credit Union Details
- Charter Number
- 60137
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Michigan
- City
- Midland
- Data Quarter
- 2025Q4
Branch Locations (2)
DOW operates 2 offices across 2 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Dow Credit Union (Main Office) | Midland, MI |
| Dow Credit Union | Saginaw, 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.
DOW nationwide neighbourhoods
Using this data
- DOW ranks #999 of 4,374 nationally on financial health and #45 of 171 in MI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- CONSUMERS is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with CONSUMERS
Frequently Asked Questions
Is DOW financially healthy?
On its 2025Q4 NCUA 5300 filing, DOW scores 91/100 (Excellent), with a 9.79% net worth ratio and 0.41% of loans delinquent. It ranks #999 of 4,374 nationally on health and #45 of 171 in Michigan.
How does DOW compare to other credit unions?
DOW scores 91/100, higher than 77% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is delinquency rate (0.41% vs 0.87%). Its widest shortfall is loan-to-share ratio (54.86% vs 83.90%).
How can I join DOW?
Membership eligibility for DOW depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact DOW directly for current membership requirements and application steps.
Is my money safe at DOW?
DOW 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. DOW's net worth ratio of 9.79% 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.