State credit union · Frankenmuth, Michigan · NCUA charter #61755
FRANKENMUTH
Health score 95/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 95
- Health / 100
- $1.52B
- Total assets
- 76,954
- Members
- 10.2%
- Net-worth ratio
FRANKENMUTH scores 95/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.52B; members 76,954; net-worth ratio 10.17%; health rank #412 of 4,374; healthier than 90th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#412 of 4,374 health · 2025Q4FRANKENMUTH · health 95/100 · $1.52B · 2025Q4
- DELQ 95/100
- ROA 10.2%
- ASSETS 0.95%
- MEM 0.79%
- RANK $1.52B
- PHOTO 76,954
- BOOK #412/4,374
- CHARTER Collins Community
- NCUSIF 61755
Call Report peers
FRANKENMUTH in the assets neighbourhood
FRANKENMUTH's $1.52B assets sit next to Collins Community ($1.52B) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
FRANKENMUTH vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
95 Top 10% higher than 90% 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
FRANKENMUTH - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #61755 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
FRANKENMUTH vs Over $500M peers
- Largest favorable gap: Return on Assets at 0.79% vs peer 0.51% (+0.28 pp).
- Net Worth Ratio trails the peer set - 10.17% here, 11.18% peer average (-1.01 pp).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
FRANKENMUTH in Michigan
- Michigan health ordinal: #15 of 171.
- By total assets, FRANKENMUTH is #17 of 171 in Michigan.
- Membership ranks #22 of 171 among Michigan CUs with a reported count (76,954 members).
In-state ordinals use the live credit_unions table for MI only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
FRANKENMUTH: 2025Q4 → 2026Q1
FRANKENMUTH: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.2% from $1.52B (2025Q4) to $1.57B (2026Q1).
- Net-worth ratio shifted +0.20 pp (9.97% → 10.17%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 10.17% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 95/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 95.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 20.5 pts
- Return on Assets 15.0 pts
- Member Growth 14.8 pts
- Loan-to-Share Ratio 14.7 pts
FRANKENMUTH health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.17% | -1.01 pp |
| Delinquency Rate | 0.95% | +0.07 pp |
| Return on Assets | 0.79% | +0.28 pp |
| Member Growth | 4.87% | - |
| Loan-to-Share Ratio | 83.20% | -0.70 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
FRANKENMUTH quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.57B | - |
| 2025Q4 | $1.52B | 76,954 |
| 2024Q4 | $1.42B | 73,377 |
| 2023Q4 | $1.32B | 69,649 |
Credit Union Details
- Charter Number
- 61755
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Michigan
- City
- Frankenmuth
- Data Quarter
- 2025Q4
Branch Locations (33)
The NCUA branch filing lists 33 physical offices for FRANKENMUTH, spread across 24 cities.
| Office | City |
|---|---|
| Main Office (Main Office) | Frankenmuth, MI |
| Bad Axe | Bad Axe, MI |
| Bay City Branch | Bay City, MI |
| Birch Run | Birch Run, MI |
| Meijer Drive South Birch Run | Birch Run, MI |
| Caro Branch | Caro, MI |
| Cass City Branch | Cass City, MI |
| Chesaning Branch | Chesaning, MI |
| Elkton Branch | Elkton, MI |
| Essexville Branch | Essexville, MI |
| Uptown North Main | Frankenmuth, MI |
| Freeland Branch | Freeland, MI |
| Harbor Beach | Harbor Beach, MI |
| Linwood Branch | Linwood, MI |
| Marlette | Marlette, MI |
| Mayville Office | Mayville, MI |
| Midland | Midland, MI |
| Millington | Millington, MI |
| Otisville Branch | Otisville, MI |
| Owosso Branch | Owosso, MI |
| Pigeon Branch | Pigeon, MI |
| Richville | Reese, MI |
| Reese | Reese, MI |
| Town & Country | Saginaw, MI |
| SVRC | Saginaw, MI |
| Bridgeport Branch | Saginaw, MI |
| Thomas Township Branch | Saginaw, MI |
| Gratiot Meijer | Saginaw, MI |
| Tittabawassee Meijer | Saginaw, MI |
| Sebewaing Office | Sebewaing, MI |
| Vassar | Vassar, MI |
| Vassar Downtown | Vassar, MI |
| West Branch Meijer | West Branch, 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.
Nationwide credit unions with similar profiles
Two NCUA Call Report peer sets for FRANKENMUTH, both outside Michigan so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($1.52B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (95/100 here).
Using this data
- FRANKENMUTH ranks #412 of 4,374 nationally on financial health and #15 of 171 in MI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Michigan First is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Michigan First
- Rates and health both vary by institution, not just by state -- see how Michigan credit unions compare overall before assuming this one is typical. Michigan state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is FRANKENMUTH financially healthy?
FRANKENMUTH has a financial health score of 95/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #412 of 4,374; by total assets it ranks #315 of 4,374 nationally (same basis as /rankings/largest); and #17 of 171 within Michigan. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 10.17% and delinquency rate of 0.95%.
How does FRANKENMUTH compare to other credit unions?
95/100 is FRANKENMUTH's score on PlainCU's health composite, compared to a peer group average for Over $500M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 FRANKENMUTH?
Membership eligibility for FRANKENMUTH depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact FRANKENMUTH directly for current membership requirements and application steps.
Is my money safe at FRANKENMUTH?
Federal credit unions like FRANKENMUTH 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. FRANKENMUTH's net worth ratio of 10.17% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does FRANKENMUTH offer compared to banks?
Credit unions like FRANKENMUTH 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 FRANKENMUTH directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
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.