State credit union · Flint, Michigan · NCUA charter #68646
Financial Plus
Health score 63/100 (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 63
- Health / 100
- $1.59B
- Total assets
- 80,502
- Members
- 0.4%
- Net-worth ratio
Financial Plus - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #68646: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Financial Plus - Five Health Pillars
Below, five 0-100 sub-scores, one per pillar of the composite. Weight and sum them and the result matches the headline health score above exactly - same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)3
- Asset quality (delinquency)92
- Earnings (ROA)100
- Member growth61
- Liquidity (loan-to-share)100
Weighted composite: 63/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
0.41% net worth is short of the NCUA's 7.0% well-capitalized bar for this institution.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 0.41% | 30% |
| Delinquency Rate | 0.71% | 25% |
| Return on Assets | 0.75% | 15% |
| Member Growth | 0.11% | 15% |
| Loan-to-Share Ratio | 88.44% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $1.59B | 80,502 |
| 2024Q4 | $1.41B | 80,417 |
| 2023Q4 | $1.29B | 81,895 |
Credit Union Details
- Charter Number
- 68646
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Michigan
- City
- Flint
- Data Quarter
- 2025Q4
What This Data Says About Financial Plus
80,502 members and $1.59B in total assets sit behind Financial Plus, a state credit union in Flint, Michigan, which posts a health score of 63/100 (Good) on the five-factor composite, with $1.15B in outstanding loans as of Q4 2025 and a net worth ratio of 0.41% - relative to the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #68646 in peer group Over $500M, a cohort of 749 similarly-sized institutions.
0.71% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for Over $500M credit unions sits at 0.874%, so this institution is running tighter than peers. Deposit deployment is captured by the 88.44% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 0.75% on net income of $12.0M for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 0.11%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Other) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.
Nearby Credit Unions in Michigan
More federally-insured credit unions based in Michigan, ordered by peer group match and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Financial Plus financially healthy?
Financial Plus scores 63/100 (Good) on financial health, per the NCUA 5300 Call Report for Q4 2025. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 0.41% net worth ratio and a 0.71% delinquency rate.
How does Financial Plus compare to other credit unions?
PlainCU's health composite puts Financial Plus at 63/100, compared to a peer group average for Over $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 Financial Plus?
Membership eligibility for Financial Plus depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Financial Plus directly for current membership requirements and application steps.
Is my money safe at Financial Plus?
Federal credit unions like Financial Plus 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. Financial Plus's net worth ratio of 0.41% is relative to the 7% threshold NCUA considers "well capitalized."
What rates does Financial Plus offer compared to banks?
Credit unions like Financial Plus 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 Financial Plus directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
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.