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
Call Report peers
Freestar Financial in the assets neighbourhood
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
Freestar Financial sits in the busiest band, 85-89, alongside 857 other credit unions.
87 Top 40% higher than 60% 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 Freestar Financial
- Largest lag: Net Worth Ratio at 9.44% vs peer 12.11% (-2.67 pp).
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).
- One place up in Michigan, Isabella Community (#82) ties at 87/100; one place down, Community Choice (#84) ties at 87/100.
Freestar Financial Call Report trajectory
Freestar Financial: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.6% from $339.1M (2025Q4) to $351.3M (2026Q1).
- Net-worth ratio shifted -0.26 pp (9.70% → 9.44%).
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
Freestar Financial gives up 13 points in total. Member Growth costs the most, 6.8 of its 15; Loan-to-Share Ratio scores full marks.
- 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 |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is Freestar Financial financially healthy?
On its 2025Q4 NCUA 5300 filing, Freestar Financial scores 87/100 (Excellent), with a 9.44% net worth ratio and 0.93% of loans delinquent. It ranks #1,708 of 4,374 nationally on health and #83 of 171 in Michigan.
How does Freestar Financial compare to other credit unions?
Freestar Financial scores 87/100, higher than 60% of the 4,374 scored credit unions. Its widest shortfall is net worth ratio (9.44% vs 12.11%).
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?
Freestar Financial 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. Freestar Financial's net worth ratio of 9.44% 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.