State credit union · BERRIEN SPRINGS, Michigan · NCUA charter #63004
HONOR
Health score 85/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 85
- Health / 100
- $1.81B
- Total assets
- 105,536
- Members
- 12.0%
- Net-worth ratio
HONOR scores 85/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.81B; members 105,536; net-worth ratio 12.03%; health rank #1,968 of 4,374; healthier than 54th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#1,968 of 4,374 health · 2025Q4HONOR · health 85/100 · $1.81B · 2025Q4
Call Report peers
HONOR in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
HONOR vs every NCUA-scored credit union
HONOR sits in the busiest band, 85-89, alongside 857 other credit unions.
85 Top 46% higher than 54% 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
HONOR vs Over $500M peers
- Loan-to-Share Ratio leads the peer set - 88.35% here, 83.90% peer average (+4.45 pp).
- Largest lag: Delinquency Rate at 1.18% vs peer 0.87% (+0.30 pp).
HONOR: in-state Call Report ranks
- Health composite ranks #98 of 171 among scored Michigan credit unions.
- Michigan assets place: #14 of 171.
- Member book place in Michigan: #16 of 171.
- One place up in Michigan, Blue Water (#97) ties at 85/100; one place down, Lake Trust (#99) ties at 85/100.
HONOR: 2025Q4 → 2026Q1
HONOR: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.1% from $1.81B (2025Q4) to $1.86B (2026Q1).
- Net-worth ratio shifted -0.18 pp (12.21% → 12.03%).
At 12.03%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 85/100 score is built
HONOR gives up 15 points in total. Member Growth costs the most, 9.1 of its 15; Net Worth Ratio and Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 18.7 pts
- Return on Assets 15.0 pts
- Member Growth 5.9 pts
- Loan-to-Share Ratio 15.4 pts
HONOR vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.03% | +0.85 pp |
| Delinquency Rate | 1.18% | +0.30 pp |
| Return on Assets | 0.91% | +0.40 pp |
| Member Growth | -1.71% | - |
| Loan-to-Share Ratio | 88.35% | +4.45 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.86B | - |
| 2025Q4 | $1.81B | 105,536 |
| 2024Q4 | $1.71B | 107,377 |
| 2023Q4 | $1.70B | 107,233 |
Credit Union Details
- Charter Number
- 63004
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Michigan
- City
- BERRIEN SPRINGS
- Data Quarter
- 2025Q4
Branch Locations (28)
HONOR operates 28 offices across 26 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Honor Credit Union (Main Office) | Berrien Springs, MI |
| Honor Credit Union | Allegan, MI |
| Honor Credit Union | Allendale, MI |
| Honor Credit Union | Baroda, MI |
| Honor Credit Union | Battle Creek, MI |
| Honor Credit Union | Battle Creek, MI |
| Honor Credit Union | Benton Harbor, MI |
| Honor Credit Union | Berrien Springs, MI |
| Honor Credit Union | Buchanan, MI |
| Honor Credit Union | Coldwater, MI |
| Honor Credit Union | Coloma, MI |
| Honor Credit Union | Decatur, MI |
| Honor Credit Union | Dowagiac, MI |
| Honor Credit Union | Gwinn, MI |
| Honor Credit Union | Hartford, MI |
| Honor Credit Union | Jenison, MI |
| Honor Credit Union | Kalamazoo, MI |
| Honor Credit Union | Marquette, MI |
| Honor Credit Union | Negaunee, MI |
| Honor Credit Union | Niles, MI |
| Honor Credit Union | Paw Paw, MI |
| Honor Credit Union | Plainwell, MI |
| Honor Credit Union | Portage, MI |
| Honor Credit Union | Saint Joseph, MI |
| Honor Credit Union | South Haven, MI |
| Honor Credit Union | Springfield, MI |
| Honor Credit Union | Stevensville, MI |
| Honor Credit Union | Wyoming, MI |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Michigan
Other federally-insured credit unions in Michigan, closest first by peer group and asset size.
Nationwide credit unions with similar profiles
Using this data
- HONOR ranks #1,968 of 4,374 nationally on financial health and #98 of 171 in MI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- ELGA is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with ELGA
Frequently Asked Questions
Is HONOR financially healthy?
HONOR has a financial health score of 85/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,968 of 4,374 nationally on health and #98 of 171 in Michigan. Its net worth ratio is 12.03% and its delinquency rate 1.18%.
How does HONOR compare to other credit unions?
HONOR scores 85/100, higher than 54% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (88.35% vs 83.90%). Its widest shortfall is delinquency rate (1.18% vs 0.87%).
How can I join HONOR?
Membership eligibility for HONOR depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact HONOR directly for current membership requirements and application steps.
Is my money safe at HONOR?
HONOR 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. HONOR's net worth ratio of 12.03% 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.