State credit union · Bay City, Michigan · NCUA charter #61619
Financialedge
Health score 87/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 87
- Health / 100
- $139.9M
- Total assets
- 8,742
- Members
- 12.6%
- Net-worth ratio
Financialedge - Share Insurance Coverage
Charter #61619'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.
Financialedge - Five Health Pillars
Every bar shows this credit union's 0-100 sub-score for one pillar of the composite; weight and add the five and you land on the headline health score above, drawn from the same NCUA 5300 figures with no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)80
- Earnings (ROA)100
- Member growth51
- Liquidity (loan-to-share)97
Weighted composite: 87/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 12.56% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 12.56% | 30% |
| Delinquency Rate | 1.01% | 25% |
| Return on Assets | 1.09% | 15% |
| Member Growth | -0.73% | 15% |
| Loan-to-Share Ratio | 68.00% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $139.9M | 8,742 |
| 2024Q4 | $128.4M | 8,806 |
| 2023Q4 | $122.2M | 8,943 |
Credit Union Details
- Charter Number
- 61619
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Michigan
- City
- Bay City
- Data Quarter
- 2025Q4
What This Data Says About Financialedge
Charter #61619, peer group $100M–$500M, a cohort of 1069 similarly-sized institutions: that's Financialedge, a state credit union in Bay City, Michigan with 8,742 members, $139.9M in total assets, and $82.5M in outstanding loans as of Q4 2025. The five-factor composite scores it 87/100 (Excellent), helped by a net worth ratio of 12.56% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules.
1.01% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for $100M–$500M credit unions sits at 0.894%, so this institution is running looser than peers. Deposit deployment is captured by the 68.00% loan-to-share ratio, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at 1.09% on net income of $1.5M 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 -0.73%. The institution reports against the NCUA 5300 Call Report on a quarterly cadence; the figures above reflect the 2025Q4 reporting period. Membership eligibility depends on the stated field of membership (currently: Other). See our disclaimer for NCUSIF deposit-insurance coverage and how to use this data before opening any account or borrowing.
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 Financialedge financially healthy?
Financialedge scores 87/100 (Excellent) 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 12.56% net worth ratio and a 1.01% delinquency rate.
How does Financialedge compare to other credit unions?
Financialedge scores 87/100 on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), 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 Financialedge?
Membership eligibility for Financialedge depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Financialedge directly for current membership requirements and application steps.
Is my money safe at Financialedge?
Federal credit unions like Financialedge 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. Financialedge's net worth ratio of 12.56% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Financialedge offer compared to banks?
Credit unions like Financialedge 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 Financialedge 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.