State credit union · Flint, Michigan · NCUA charter #68646
Financial Plus
Health score 92/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 92
- Health / 100
- $1.59B
- Total assets
- 80,502
- Members
- 11.7%
- Net-worth ratio
Financial Plus scores 92/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.59B; members 80,502; net-worth ratio 11.66%; health rank #789 of 4,374; healthier than 80th of scored peers.
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NCUA 5300 Call Report Masthead
#789 of 4,374 health · 2025Q4Financial Plus · health 92/100 · $1.59B · 2025Q4
Call Report peers
Financial Plus in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Financial Plus vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Financial Plus sits in 90-94 with 747 others.
92 Top 20% higher than 80% 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
Financial Plus: Call Report deltas vs peers
- Loan-to-Share Ratio leads the peer set - 88.44% here, 83.90% peer average (+4.54 pp).
Michigan standing for Financial Plus
- In Michigan, health place is #31 of 171 on the same NCUA-ratio sort used nationally.
- Michigan assets place: #16 of 171.
- Michigan membership ordinal: #21 of 171.
- One place up in Michigan, EMBERS (#30) ties at 92/100; one place down, United Financial (#32) ties at 92/100.
How Financial Plus's 5300 filing moved
Financial Plus: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.3% from $1.59B (2025Q4) to $1.64B (2026Q1).
- Net-worth ratio shifted -0.16 pp (11.82% → 11.66%).
11.66% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 92/100 score is built
Financial Plus gives up 8 points in total. Member Growth costs the most, 5.9 of its 15; Net Worth Ratio and Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 22.9 pts
- Return on Assets 15.0 pts
- Member Growth 9.1 pts
- Loan-to-Share Ratio 15.0 pts
Call Report ratios for Financial Plus
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.66% | +0.48 pp |
| Delinquency Rate | 0.71% | -0.16 pp |
| Return on Assets | 0.75% | +0.25 pp |
| Member Growth | 0.11% | - |
| Loan-to-Share Ratio | 88.44% | +4.54 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.64B | - |
| 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
Branch Locations (12)
The NCUA branch filing lists 12 physical offices for Financial Plus, spread across 8 cities.
| Office | City |
|---|---|
| FPCU Main Office Branch (Main Office) | Flint, MI |
| WCU - Bay City Branch | Bay City, MI |
| FPCU Davison Branch | Davison, MI |
| FPCU Fenton Branch | Fenton, MI |
| FPCU - Corunna Road Branch | Flint, MI |
| FPCU - Flushing Branch | Flushing, MI |
| FPCU - Grand Blanc Branch | Grand Blanc, MI |
| FPCU - Fashion Square Branch | Saginaw, MI |
| WCU - Bagley Branch | Saginaw, MI |
| WCU - Gratiot Rd Branch | Saginaw, MI |
| WCU - Shattuck Branch | Saginaw, MI |
| FPCU - Swartz Creek Branch | Swartz Creek, 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.
Other-state peers near Financial Plus
Similar total assets
Using this data
- Financial Plus ranks #789 of 4,374 nationally on financial health and #31 of 171 in MI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- FRANKENMUTH is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with FRANKENMUTH
Frequently Asked Questions
Is Financial Plus financially healthy?
On its 2025Q4 NCUA 5300 filing, Financial Plus scores 92/100 (Excellent), with a 11.66% net worth ratio and 0.71% of loans delinquent. It ranks #789 of 4,374 nationally on health and #31 of 171 in Michigan.
How does Financial Plus compare to other credit unions?
Financial Plus scores 92/100, higher than 80% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (88.44% vs 83.90%).
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?
Financial Plus is a state-chartered 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. Financial Plus's net worth ratio of 11.66% 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.