State credit union · Mount Clemens, Michigan · NCUA charter #60406
Freestar Financial
Health score 87/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 87
- Health / 100
- $339.1M
- Total assets
- 22,283
- Members
- 9.4%
- Net-worth ratio
Freestar Financial scores 87/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $339.1M; members 22,283; net-worth ratio 9.44%; health rank #1,708 of 4,374; healthier than 60th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#1,708 of 4,374 health · 2025Q4Freestar Financial · health 87/100 · $339.1M · 2025Q4
- ROA 87/100
- ASSETS 9.4%
- MEM 0.93%
- RANK 0.44%
- PHOTO $339.1M
- BOOK 22,283
- CHARTER #1,708/4,374
- NCUSIF NET
- CAMELS 60406
Call Report peers
Freestar Financial in the assets neighbourhood
Freestar Financial's $339.1M assets sit next to NET ($339.3M) 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.
Freestar Financial 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
87 Top 40% higher than 60% 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
Freestar Financial - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #60406. See our deposit-insurance coverage note.
Peer-gap read for Freestar Financial
- Largest lag: Net Worth Ratio at 9.44% vs peer 12.11% (-2.67 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Michigan standing for Freestar Financial
- In Michigan, health place is #83 of 171 on the same NCUA-ratio sort used nationally.
- Assets rank #59 of 171 inside Michigan ($339.1M reported).
- Membership ranks #57 of 171 among Michigan CUs with a reported count (22,283 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.
Freestar Financial Call Report trajectory
Freestar Financial: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.6% from $339.1M (2025Q4) to $351.3M (2026Q1).
- Net-worth ratio shifted -0.26 pp (9.70% → 9.44%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 9.44%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 87/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 87.
- Net Worth Ratio 28.6 pts
- Delinquency Rate 20.7 pts
- Return on Assets 14.1 pts
- Member Growth 8.2 pts
- Loan-to-Share Ratio 15.4 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.44% | -2.67 pp |
| Delinquency Rate | 0.93% | +0.04 pp |
| Return on Assets | 0.44% | -0.18 pp |
| Member Growth | -0.42% | - |
| Loan-to-Share Ratio | 70.00% | -2.20 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Freestar Financial filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $351.3M | - |
| 2025Q4 | $339.1M | 22,283 |
| 2024Q4 | $328.9M | 22,377 |
| 2023Q4 | $321.2M | 21,676 |
Credit Union Details
- Charter Number
- 60406
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Michigan
- City
- Mount Clemens
- Data Quarter
- 2025Q4
Branch Locations (8)
Freestar Financial operates 8 offices across 8 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Clinton Township (Main Office) | Clinton Township, MI |
| Richmond | Casco, MI |
| Chesterfield | Chesterfield, MI |
| Eastpointe | Eastpointe, MI |
| Saint Clair Shores | Saint clair shores, MI |
| Selfridge | Selfridge ANGB, MI |
| Shelby Township | Shelby township, MI |
| Sterling | Sterling Heights, 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.
Cross-state Call Report peers for Freestar Financial
Two NCUA Call Report peer sets for Freestar Financial, 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 ($339.1M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (87/100 here).
Using this data
- Freestar Financial ranks #1,708 of 4,374 nationally on financial health and #83 of 171 in MI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- EXTRA is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with EXTRA
- 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 Freestar Financial financially healthy?
Freestar Financial has a financial health score of 87/100 (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 #1,708 of 4,374; by total assets it ranks #966 of 4,374 nationally (same basis as /rankings/largest); and #59 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 9.44% and delinquency rate of 0.93%.
How does Freestar Financial compare to other credit unions?
Five weighted metrics from NCUA filings produce Freestar Financial's 87/100 score on PlainCU's health composite, compared to a peer group average for $100M–$500M 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 Freestar Financial?
Membership eligibility for Freestar Financial depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Freestar Financial directly for current membership requirements and application steps.
Is my money safe at Freestar Financial?
Federal credit unions like Freestar Financial 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. Freestar Financial's net worth ratio of 9.44% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Freestar Financial offer compared to banks?
Credit unions like Freestar Financial 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 Freestar Financial 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.