Federal credit union · Port Huron, Michigan · NCUA charter #13391
Flagship Community
Health score 66/100 (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 66
- Health / 100
- $34.1M
- Total assets
- 3,150
- Members
- 5.6%
- Net-worth ratio
Flagship Community - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #13391 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Flagship Community - 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)46
- Asset quality (delinquency)100
- Earnings (ROA)100
- Member growth0
- Liquidity (loan-to-share)81
Weighted composite: 66/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 5.57%, this institution is below the 7.0% NCUA well-capitalized threshold.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 5.57% | 30% |
| Delinquency Rate | 0.27% | 25% |
| Return on Assets | 0.94% | 15% |
| Member Growth | -9.38% | 15% |
| Loan-to-Share Ratio | 57.27% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Flagship Community
Charter #13391, peer group $10M–$50M, a cohort of 1163 similarly-sized institutions: that's Flagship Community, a federal credit union in Port Huron, Michigan with 3,150 members, $34.1M in total assets, and $17.3M in outstanding loans as of Q4 2025. The five-factor composite scores it 66/100 (Good), helped by a net worth ratio of 5.57% - relative to the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules.
Two more numbers round out the picture: a 0.27% delinquency rate (loans 60+ days past due against the total book) - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running tighter than peers - and a 57.27% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Return on assets stands at 0.94% on net income of $322K 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 -9.38%. All of the above reflects the 2025Q4 quarterly NCUA 5300 Call Report. Who can join depends on the field of membership (currently: Community); our disclaimer covers NCUSIF deposit-insurance coverage and how to use this data responsibly.
Nearby Credit Unions in Michigan
Other federally-insured credit unions in Michigan, closest first by peer group 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 Flagship Community financially healthy?
Flagship Community scores 66/100 (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 5.57% net worth ratio and a 0.27% delinquency rate.
How does Flagship Community compare to other credit unions?
PlainCU's health composite puts Flagship Community at 66/100, compared to a peer group average for $10M–$50M 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 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?
Federal credit unions like Flagship Community 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. Flagship Community's net worth ratio of 5.57% is relative to the 7% threshold NCUA considers "well capitalized."
What rates does Flagship Community offer compared to banks?
Credit unions like Flagship Community 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 Flagship Community 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.