Federal credit union · FRANKFORT, Michigan · NCUA charter #13355
Frankfort Community
Health score 75/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 75
- Health / 100
- $17.4M
- Total assets
- 2,131
- Members
- 15.0%
- Net-worth ratio
Frankfort Community scores 75/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $17.4M; members 2,131; net-worth ratio 15.05%; health rank #3,255 of 4,374; healthier than 24th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#3,255 of 4,374 health · 2025Q4Frankfort Community · health 75/100 · $17.4M · 2025Q4
- CAMELS 75/100
- HEALTH 15.0%
- NW 4.37%
- DELQ 0.76%
- ROA $17.4M
- ASSETS 2,131
- MEM #3,255/4,374
- RANK South Atlantic
- PHOTO 13355
Call Report peers
Frankfort Community in the assets neighbourhood
Frankfort Community's $17.4M assets sit next to South Atlantic ($17.5M) 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.
Frankfort Community 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
75 24th percentile higher than 24% 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
Frankfort Community - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #13355. See our deposit-insurance coverage note.
Peer-gap read for Frankfort Community
- Loan-to-Share Ratio leads the peer set - 74.32% here, 59.80% peer average (+14.52 pp).
- Largest lag: Delinquency Rate at 4.37% vs peer 1.15% (+3.22 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Frankfort Community in Michigan
- Health composite ranks #153 of 171 among scored Michigan credit unions.
- By total assets, Frankfort Community is #164 of 171 in Michigan.
- Michigan membership ordinal: #154 of 171.
In-state ordinals use the live credit_unions table for MI only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Frankfort Community Call Report trajectory
Frankfort Community: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.2% from $17.4M (2025Q4) to $18.0M (2026Q1).
- Net-worth ratio shifted +0.25 pp (14.80% → 15.05%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 15.05% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 75/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 75.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 0.0 pts
- Return on Assets 15.0 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 15.0 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 15.05% | +0.19 pp |
| Delinquency Rate | 4.37% | +3.22 pp |
| Return on Assets | 0.76% | +0.06 pp |
| Member Growth | 12.10% | - |
| Loan-to-Share Ratio | 74.32% | +14.52 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Frankfort Community filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $18.0M | - |
| 2025Q4 | $17.4M | 2,131 |
| 2024Q4 | $17.4M | 1,901 |
| 2023Q4 | $18.1M | 2,039 |
Credit Union Details
- Charter Number
- 13355
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Michigan
- City
- FRANKFORT
- Data Quarter
- 2025Q4
Branch Location
Frankfort Community operates a single office in Frankfort, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Frankfort Community Federal Credit Union (Main Office) | Frankfort, 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 Frankfort Community, 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 ($17.4M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (75/100 here).
Using this data
- Frankfort Community ranks #3,255 of 4,374 nationally on financial health and #153 of 171 in MI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Blue Water is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Blue Water
- 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 Frankfort Community financially healthy?
Frankfort Community scores 75/100 (Very Good) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,255 of 4,374; by total assets it ranks #3,229 of 4,374 nationally (same basis as /rankings/largest); and #164 of 171 within Michigan. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 15.05% net worth ratio and a 4.37% delinquency rate.
How does Frankfort Community compare to other credit unions?
Five weighted metrics from NCUA filings produce Frankfort Community's 75/100 score on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 Frankfort Community?
Frankfort 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 Frankfort Community directly for the exact boundaries and application steps.
Is my money safe at Frankfort Community?
Federal credit unions like Frankfort 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. Frankfort Community's net worth ratio of 15.05% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Frankfort Community offer compared to banks?
Credit unions like Frankfort 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 Frankfort Community 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.