Federal credit union · DOWAGIAC, Michigan · NCUA charter #21070
Dowagiac Area
Health score 91/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 91
- Health / 100
- $25.2M
- Total assets
- 1,830
- Members
- 10.7%
- Net-worth ratio
Dowagiac Area scores 91/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $25.2M; members 1,830; net-worth ratio 10.73%; health rank #969 of 4,374; healthier than 77th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#969 of 4,374 health · 2025Q4Dowagiac Area · health 91/100 · $25.2M · 2025Q4
Call Report peers
Dowagiac Area in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Dowagiac Area vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Dowagiac Area 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
Dowagiac Area vs $10M–$50M peers
- Return on Assets leads the peer set - 1.48% here, 0.70% peer average (+0.78 pp).
- Largest lag: Net Worth Ratio at 10.73% vs peer 14.86% (-4.13 pp).
Dowagiac Area: in-state Call Report ranks
- Michigan health ordinal: #41 of 171.
- Assets rank #156 of 171 inside Michigan ($25.2M reported).
- Michigan membership ordinal: #158 of 171.
- One place up in Michigan, WILDFIRE (#40) ties at 91/100; one place down, LOC (#42) ties at 91/100.
How Dowagiac Area's 5300 filing moved
Dowagiac Area: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.5% from $25.2M (2025Q4) to $26.0M (2026Q1).
- Net-worth ratio shifted -0.02 pp (10.75% → 10.73%).
10.73% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 91/100 score is built
Dowagiac Area gives up 9 points in total. Member Growth costs the most, 6.3 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 8.7 pts
- Loan-to-Share Ratio 12.3 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.73% | -4.13 pp |
| Delinquency Rate | 0.50% | -0.65 pp |
| Return on Assets | 1.48% | +0.78 pp |
| Member Growth | -0.16% | - |
| Loan-to-Share Ratio | 56.40% | -3.40 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Dowagiac Area filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $26.0M | - |
| 2025Q4 | $25.2M | 1,830 |
| 2024Q4 | $23.8M | 1,833 |
| 2023Q4 | $23.6M | 1,797 |
Credit Union Details
- Charter Number
- 21070
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Michigan
- City
- DOWAGIAC
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for Dowagiac Area.
| Office | City |
|---|---|
| Dowagiac Area Federal Credit Union (Main Office) | Dowagiac, MI |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Michigan
A look at other Michigan credit unions, ranked by how closely their peer group and asset size match this one.
Cross-state Call Report peers for Dowagiac Area
Similar total assets
Using this data
- Dowagiac Area ranks #969 of 4,374 nationally on financial health and #41 of 171 in MI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Farm Bureau Family is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Farm Bureau Family
Frequently Asked Questions
Is Dowagiac Area financially healthy?
On its 2025Q4 NCUA 5300 filing, Dowagiac Area scores 91/100 (Excellent), with a 10.73% net worth ratio and 0.50% of loans delinquent. It ranks #969 of 4,374 nationally on health and #41 of 171 in Michigan.
How does Dowagiac Area compare to other credit unions?
Dowagiac Area scores 91/100, higher than 77% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is return on assets (1.48% vs 0.70%). Its widest shortfall is net worth ratio (10.73% vs 14.86%).
How can I join Dowagiac Area?
Dowagiac Area operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Dowagiac Area directly for the exact boundaries and application steps.
Is my money safe at Dowagiac Area?
Dowagiac Area is a federal 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. Dowagiac Area's net worth ratio of 10.73% 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.