State credit union · Bay City, Michigan · NCUA charter #61619
FINANCIALEDGE
Health score 87/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 87
- Health / 100
- $139.9M
- Total assets
- 8,742
- Members
- 12.3%
- Net-worth ratio
FINANCIALEDGE scores 87/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $139.9M; members 8,742; net-worth ratio 12.30%; health rank #1,647 of 4,374; healthier than 60th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#1,647 of 4,374 health · 2025Q4FINANCIALEDGE · health 87/100 · $139.9M · 2025Q4
Call Report peers
FINANCIALEDGE in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
FINANCIALEDGE vs every NCUA-scored credit union
FINANCIALEDGE sits in the busiest band, 85-89, alongside 857 other credit unions.
87 Top 40% higher than 60% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
FINANCIALEDGE vs $100M–$500M peers
- Largest favorable gap: Return on Assets at 1.09% vs peer 0.62% (+0.47 pp).
- Largest lag: Loan-to-Share Ratio at 68.00% vs peer 72.20% (-4.20 pp).
Michigan standing for FINANCIALEDGE
- In Michigan, health place is #77 of 171 on the same NCUA-ratio sort used nationally.
- Michigan assets place: #97 of 171.
- Michigan membership ordinal: #103 of 171.
- One place up in Michigan, AEROQUIP (#76) ties at 87/100; one place down, Cornerstone Community Financial (#78) ties at 87/100.
Quarter path for FINANCIALEDGE
FINANCIALEDGE: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.5% from $139.9M (2025Q4) to $144.8M (2026Q1).
- Net-worth ratio shifted -0.26 pp (12.56% → 12.30%).
This credit union's 12.30% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 87/100 score is built
FINANCIALEDGE gives up 13 points in total. Member Growth costs the most, 7.3 of its 15; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 19.9 pts
- Return on Assets 15.0 pts
- Member Growth 7.7 pts
- Loan-to-Share Ratio 14.4 pts
FINANCIALEDGE vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.30% | +0.19 pp |
| Delinquency Rate | 1.01% | +0.12 pp |
| Return on Assets | 1.09% | +0.47 pp |
| Member Growth | -0.73% | - |
| Loan-to-Share Ratio | 68.00% | -4.20 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Call Report history - FINANCIALEDGE
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $144.8M | - |
| 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
Branch Locations (2)
FINANCIALEDGE operates 2 offices in Bay City, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Euclid Office (Main Office) | Bay City, MI |
| Center Office | Bay City, 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.
FINANCIALEDGE nationwide neighbourhoods
Similar total assets
Similar health score
Using this data
- FINANCIALEDGE ranks #1,647 of 4,374 nationally on financial health and #77 of 171 in MI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- LENCO is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with LENCO
Frequently Asked Questions
Is FINANCIALEDGE financially healthy?
FINANCIALEDGE has a financial health score of 87/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,647 of 4,374 nationally on health and #77 of 171 in Michigan. Its net worth ratio is 12.30% and its delinquency rate 1.01%.
How does FINANCIALEDGE compare to other credit unions?
FINANCIALEDGE scores 87/100, higher than 60% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is return on assets (1.09% vs 0.62%). Its widest shortfall is loan-to-share ratio (68.00% vs 72.20%).
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?
FINANCIALEDGE 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. FINANCIALEDGE's net worth ratio of 12.30% 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.