Federal credit union · Port Huron, Michigan · NCUA charter #13391
Flagship Community
Health score 82/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 82
- Health / 100
- $34.1M
- Total assets
- 3,150
- Members
- 11.4%
- Net-worth ratio
Flagship Community scores 82/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $34.1M; members 3,150; net-worth ratio 11.36%; health rank #2,446 of 4,374; healthier than 43rd of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#2,446 of 4,374 health · 2025Q4Flagship Community · health 82/100 · $34.1M · 2025Q4
Call Report peers
Flagship Community in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Flagship Community vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Flagship Community sits in 80-84 with 767 others.
82 43rd percentile higher than 43% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Where Flagship Community diverges from peer averages
- Strongest edge vs 1163 $10M–$50M peers is Delinquency Rate: -0.88 pp (0.27% vs 1.15%).
- Net Worth Ratio trails the peer set - 11.36% here, 14.86% peer average (-3.50 pp).
Where Flagship Community sits in Michigan
- Health composite ranks #124 of 171 among scored Michigan credit unions.
- Assets rank #150 of 171 inside Michigan ($34.1M reported).
- Michigan membership ordinal: #138 of 171.
- One place up in Michigan, Walled Lake Schools (#123) ties at 82/100; one place down, True Community (#125) ties at 82/100.
Quarter path for Flagship Community
Flagship Community: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -1.9% from $34.1M (2025Q4) to $33.5M (2026Q1).
- Net-worth ratio shifted +0.37 pp (10.99% → 11.36%).
At 11.36%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 82/100 score is built
Flagship Community gives up 18 points in total. Member Growth costs the most, 15 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 12.0 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.36% | -3.50 pp |
| Delinquency Rate | 0.27% | -0.88 pp |
| Return on Assets | 0.94% | +0.24 pp |
| Member Growth | -9.38% | - |
| Loan-to-Share Ratio | 57.27% | -2.53 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Flagship Community quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $33.5M | - |
| 2025Q4 | $34.1M | 3,150 |
| 2024Q4 | $34.4M | 3,476 |
| 2023Q4 | $35.2M | 3,625 |
Credit Union Details
- Charter Number
- 13391
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Michigan
- City
- Port Huron
- Data Quarter
- 2025Q4
Branch Locations (2)
Flagship Community operates 2 offices across 2 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Flagship Community FCU (Main Office) | Port Huron, MI |
| Harbor Beach Office | Harbor Beach, MI |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Michigan
Other federally-insured credit unions in Michigan, closest first by peer group and asset size.
Flagship Community nationwide neighbourhoods
Using this data
- Flagship Community ranks #2,446 of 4,374 nationally on financial health and #124 of 171 in MI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- GRACO is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with GRACO
Frequently Asked Questions
Is Flagship Community financially healthy?
Flagship Community has a financial health score of 82/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,446 of 4,374 nationally on health and #124 of 171 in Michigan. Its net worth ratio is 11.36% and its delinquency rate 0.27%.
How does Flagship Community compare to other credit unions?
Flagship Community scores 82/100, higher than 43% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is delinquency rate (0.27% vs 1.15%). Its widest shortfall is net worth ratio (11.36% vs 14.86%).
How can I join Flagship Community?
Flagship Community operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Flagship Community directly for the exact boundaries and application steps.
Is my money safe at Flagship Community?
Flagship Community is a federal 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. Flagship Community's net worth ratio of 11.36% 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.