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
Call Report peers
Frankfort Community in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); Frankfort Community sits in 75-79 with 502 others.
75 24th percentile higher than 24% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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).
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.
- One place up in Michigan, Country Heritage (#152) ties at 75/100; one place down, Community West (#154) ties at 75/100.
Frankfort Community Call Report trajectory
Frankfort Community: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.2% from $17.4M (2025Q4) to $18.0M (2026Q1).
- Net-worth ratio shifted +0.25 pp (14.80% → 15.05%).
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
Frankfort Community gives up 25 points in total. Delinquency Rate costs the most, 25 of its 25; Net Worth Ratio and Return on Assets and Member Growth and Loan-to-Share Ratio score full marks.
- 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 |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is Frankfort Community financially healthy?
On its 2025Q4 NCUA 5300 filing, Frankfort Community scores 75/100 (Very Good), with a 15.05% net worth ratio and 4.37% of loans delinquent. It ranks #3,255 of 4,374 nationally on health and #153 of 171 in Michigan.
How does Frankfort Community compare to other credit unions?
Frankfort Community scores 75/100, higher than 24% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (74.32% vs 59.80%). Its widest shortfall is delinquency rate (4.37% vs 1.15%).
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?
Frankfort 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. Frankfort Community's net worth ratio of 15.05% 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.