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
Call Report peers
FRANKENMUTH in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); FRANKENMUTH sits in 95-99 with 391 others.
95 Top 10% higher than 90% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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).
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).
- One place up in Michigan, Michigan United (#14) ties at 95/100; one place down, Tlc Community (#16) scores 94/100, 1 point lower.
FRANKENMUTH: 2025Q4 → 2026Q1
FRANKENMUTH: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.2% from $1.52B (2025Q4) to $1.57B (2026Q1).
- Net-worth ratio shifted +0.20 pp (9.97% → 10.17%).
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
FRANKENMUTH gives up 5 points in total. Delinquency Rate costs the most, 4.5 of its 25; Net Worth Ratio and Return on Assets and Loan-to-Share Ratio score full marks.
- 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 |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
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
Similar total assets
Similar health score
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
Frequently Asked Questions
Is FRANKENMUTH financially healthy?
FRANKENMUTH has a financial health score of 95/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #412 of 4,374 nationally on health and #15 of 171 in Michigan. Its net worth ratio is 10.17% and its delinquency rate 0.95%.
How does FRANKENMUTH compare to other credit unions?
FRANKENMUTH scores 95/100, higher than 90% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is return on assets (0.79% vs 0.51%). Its widest shortfall is net worth ratio (10.17% vs 11.18%).
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?
FRANKENMUTH 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. FRANKENMUTH's net worth ratio of 10.17% 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.