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
- PHOTO 91/100
- BOOK 9.8%
- CHARTER 0.41%
- NCUSIF 0.49%
- CAMELS $2.55B
- HEALTH 83,732
- NW #999/4,374
- DELQ Austin Telco
- ROA 60137
Call Report peers
DOW in the assets neighbourhood
DOW's $2.55B assets sit next to Austin Telco ($2.55B) 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.
DOW 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
91 Top 23% higher than 77% 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
DOW - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #60137. See our deposit-insurance coverage note.
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).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for MI only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for DOW
DOW: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.4% from $2.55B (2025Q4) to $2.61B (2026Q1).
- Net-worth ratio shifted -0.18 pp (9.97% → 9.79%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 91.
- 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 |
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).
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
DOW's nationwide photo peers by assets and by health score, excluding Michigan charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($2.55B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (91/100 here).
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
- 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 DOW financially healthy?
A 9.79% net worth ratio and a 0.41% delinquency rate feed into DOW's financial health score of 91/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #999 of 4,374; by total assets it ranks #207 of 4,374 nationally (same basis as /rankings/largest); and #10 of 171 within Michigan. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does DOW compare to other credit unions?
91/100 is DOW's score on PlainCU's health composite, compared to a peer group average for Over $500M 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 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?
Federal credit unions like DOW 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. DOW's net worth ratio of 9.79% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does DOW offer compared to banks?
Credit unions like DOW 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 DOW 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.