State credit union · DETROIT, Michigan · NCUA charter #64267
Electrical Workers Local 58
Health score 79/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 79
- Health / 100
- $21.1M
- Total assets
- 1,874
- Members
- 11.9%
- Net-worth ratio
Electrical Workers Local 58 scores 79/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $21.1M; members 1,874; net-worth ratio 11.94%; health rank #2,865 of 4,374; healthier than 33rd of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#2,865 of 4,374 health · 2025Q4Electrical Workers Local 58 · health 79/100 · $21.1M · 2025Q4
- ASSETS 79/100
- MEM 11.9%
- RANK 0.00%
- PHOTO 0.72%
- BOOK $21.1M
- CHARTER 1,874
- NCUSIF #2,865/4,374
- CAMELS Bloomington Postal Employees
- HEALTH 64267
Call Report peers
Electrical Workers Local 58 in the assets neighbourhood
Electrical Workers Local 58's $21.1M assets sit next to Bloomington Postal Employees ($21.0M) 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.
Electrical Workers Local 58 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
79 33rd percentile higher than 33% 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
Electrical Workers Local 58 - Share Insurance Coverage
Charter #64267's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Electrical Workers Local 58 vs $10M–$50M peers
- Largest favorable gap: Delinquency Rate at 0.00% vs peer 1.15% (-1.15 pp).
- Largest lag: Loan-to-Share Ratio at 28.15% vs peer 59.80% (-31.65 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Electrical Workers Local 58 in Michigan
- Michigan health ordinal: #144 of 171.
- By total assets, Electrical Workers Local 58 is #161 of 171 in Michigan.
- Membership ranks #157 of 171 among Michigan CUs with a reported count (1,874 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.
How Electrical Workers Local 58's 5300 filing moved
Electrical Workers Local 58: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -0.9% from $21.1M (2025Q4) to $20.9M (2026Q1).
- Net-worth ratio shifted +0.47 pp (11.47% → 11.94%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
11.94% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 79/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 79.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 9.0 pts
Electrical Workers Local 58 vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.94% | -2.92 pp |
| Delinquency Rate | 0.00% | -1.15 pp |
| Return on Assets | 0.72% | +0.01 pp |
| Member Growth | -11.89% | - |
| Loan-to-Share Ratio | 28.15% | -31.65 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).
Call Report history - Electrical Workers Local 58
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $20.9M | - |
| 2025Q4 | $21.1M | 1,874 |
| 2024Q4 | $20.6M | 2,127 |
| 2023Q4 | $19.8M | 2,242 |
Credit Union Details
- Charter Number
- 64267
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Michigan
- City
- DETROIT
- Data Quarter
- 2025Q4
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for Electrical Workers Local 58.
| Office | City |
|---|---|
| electrical workers credit union (Main Office) | DETROIT, MI |
| electrical workers credit union | DETROIT, MI |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Michigan
Other federally-insured credit unions in Michigan, closest first by peer group and asset size.
Other-state peers near Electrical Workers Local 58
Cross-state asset and health neighbours for Electrical Workers Local 58 - kept outside Michigan; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($21.1M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (79/100 here).
Using this data
- Electrical Workers Local 58 ranks #2,865 of 4,374 nationally on financial health and #144 of 171 in MI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- United Churches is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with United Churches
- 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 Electrical Workers Local 58 financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Electrical Workers Local 58 carries a financial health score of 79/100 (Very Good). On the national health ranking (same basis as /rankings/healthiest), it sits at #2,865 of 4,374; by total assets it ranks #3,116 of 4,374 nationally (same basis as /rankings/largest); and #161 of 171 within Michigan. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 11.94% net worth ratio and a 0.00% delinquency rate.
How does Electrical Workers Local 58 compare to other credit unions?
79/100 is Electrical Workers Local 58'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 Electrical Workers Local 58?
Membership eligibility for Electrical Workers Local 58 depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Electrical Workers Local 58 directly for current membership requirements and application steps.
Is my money safe at Electrical Workers Local 58?
Federal credit unions like Electrical Workers Local 58 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. Electrical Workers Local 58's net worth ratio of 11.94% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Electrical Workers Local 58 offer compared to banks?
Credit unions like Electrical Workers Local 58 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 Electrical Workers Local 58 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.