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
- ASSETS 85/100
- MEM 12.0%
- RANK 1.18%
- PHOTO 0.91%
- BOOK $1.81B
- CHARTER 105,536
- NCUSIF #1,968/4,374
- CAMELS SCOTT
- HEALTH 63004
Call Report peers
HONOR in the assets neighbourhood
HONOR's $1.81B assets sit next to SCOTT ($1.81B) 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.
HONOR 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
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 - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #63004, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
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).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for MI only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
HONOR: 2025Q4 → 2026Q1
HONOR: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.1% from $1.81B (2025Q4) to $1.86B (2026Q1).
- Net-worth ratio shifted -0.18 pp (12.21% → 12.03%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 85.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
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
HONOR's nationwide photo peers by assets and by health score, excluding Michigan charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($1.81B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (85/100 here).
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
- 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 HONOR financially healthy?
Yes/no aside, the number is 85/100 (Excellent) - HONOR's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,968 of 4,374; by total assets it ranks #278 of 4,374 nationally (same basis as /rankings/largest); and #14 of 171 within Michigan. Above 80 reads excellent, below 50 warrants closer monitoring; a 12.03% net worth ratio and 1.18% delinquency rate are the key drivers.
How does HONOR compare to other credit unions?
On PlainCU's health composite, HONOR lands at 85/100, compared to a peer group average for Over $500M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), delinquency rate (25%), return on assets (15%), member growth (15%), and 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 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?
Federal credit unions like HONOR 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. HONOR's net worth ratio of 12.03% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does HONOR offer compared to banks?
Credit unions like HONOR 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 HONOR 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.