State credit union · Manistee, Michigan · NCUA charter #62010
FILER
Health score 95/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 95
- Health / 100
- $254.0M
- Total assets
- 13,178
- Members
- 12.7%
- Net-worth ratio
FILER scores 95/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $254.0M; members 13,178; net-worth ratio 12.68%; health rank #376 of 4,374; healthier than 90th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#376 of 4,374 health · 2025Q4FILER · health 95/100 · $254.0M · 2025Q4
- BOOK 95/100
- CHARTER 12.7%
- NCUSIF 0.70%
- CAMELS 0.74%
- HEALTH $254.0M
- NW 13,178
- DELQ #376/4,374
- ROA Top Tier
- ASSETS 62010
FILER in the assets neighbourhood
FILER's $254.0M assets sit next to Top Tier ($254.0M) 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.
FILER 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
95 Top 10% higher than 90% 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
FILER - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #62010: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
FILER: Call Report deltas vs peers
- Net Worth Ratio leads the peer set - 12.68% here, 12.11% peer average (+0.57 pp).
- Largest lag: Loan-to-Share Ratio at 65.23% vs peer 72.20% (-6.97 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where FILER sits in Michigan
- Michigan health ordinal: #11 of 171.
- Michigan assets place: #70 of 171.
- Michigan membership ordinal: #85 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 FILER
FILER: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.8% from $254.0M (2025Q4) to $258.5M (2026Q1).
- Net-worth ratio shifted +0.10 pp (12.58% → 12.68%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 12.68% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 95/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 95.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 23.0 pts
- Return on Assets 15.0 pts
- Member Growth 12.7 pts
- Loan-to-Share Ratio 14.3 pts
FILER vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.68% | +0.57 pp |
| Delinquency Rate | 0.70% | -0.19 pp |
| Return on Assets | 0.74% | +0.12 pp |
| Member Growth | 3.07% | - |
| Loan-to-Share Ratio | 65.23% | -6.97 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Call Report history - FILER
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $258.5M | - |
| 2025Q4 | $254.0M | 13,178 |
| 2024Q4 | $236.2M | 12,786 |
| 2023Q4 | $233.0M | 11,999 |
Credit Union Details
- Charter Number
- 62010
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Michigan
- City
- Manistee
- Data Quarter
- 2025Q4
Branch Locations (4)
Per its most recent NCUA branch filing, FILER runs 4 offices in 3 different cities.
| Office | City |
|---|---|
| Main Office (Main Office) | Manistee, MI |
| Bear Lake Branch | Bear Lake, MI |
| Ludington | Ludington, MI |
| Parkdale Branch | Manistee, 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.
FILER nationwide neighbourhoods
FILER's nationwide photo peers by assets and by health score, excluding Michigan charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($254.0M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (95/100 here).
Using this data
- FILER ranks #376 of 4,374 nationally on financial health and #11 of 171 in MI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Advantage One is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Advantage One
- 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 FILER financially healthy?
FILER has a financial health score of 95/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #376 of 4,374; by total assets it ranks #1,126 of 4,374 nationally (same basis as /rankings/largest); and #70 of 171 within Michigan. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 12.68% and delinquency rate of 0.70%.
How does FILER compare to other credit unions?
PlainCU's health composite puts FILER at 95/100, compared to a peer group average for $100M–$500M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (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 FILER?
Membership eligibility for FILER depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact FILER directly for current membership requirements and application steps.
Is my money safe at FILER?
Federal credit unions like FILER 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. FILER's net worth ratio of 12.68% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does FILER offer compared to banks?
Credit unions like FILER 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 FILER 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.