State credit union · DETROIT, Michigan · NCUA charter #62167
I.M. Detroit District
Health score 91/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 91
- Health / 100
- $1.8M
- Total assets
- 65
- Members
- 26.1%
- Net-worth ratio
I.M. Detroit District scores 91/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.8M; members 65; net-worth ratio 26.06%; health rank #869 of 4,374; healthier than 77th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#869 of 4,374 health · 2025Q4I.M. Detroit District · health 91/100 · $1.8M · 2025Q4
- NW 91/100
- DELQ 26.1%
- ROA 0.00%
- ASSETS 3.43%
- MEM $1.8M
- RANK 65
- PHOTO #869/4,374
- BOOK n/a
- CHARTER 62167
Call Report peers
I.M. Detroit District carries $1.8M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
I.M. Detroit District 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
91 Top 23% higher than 77% 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
I.M. Detroit District - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #62167 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Where I.M. Detroit District diverges from peer averages
- Largest favorable gap: Delinquency Rate at 0.00% vs peer 4.48% (-4.48 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -49.95 pp (2.75% vs 52.70%).
Peer averages are NCUA 5300 means for the Under $2M cohort (243 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
I.M. Detroit District: in-state Call Report ranks
- In Michigan, health place is #36 of 171 on the same NCUA-ratio sort used nationally.
- By total assets, I.M. Detroit District is #171 of 171 in Michigan.
- Member book place in Michigan: #171 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.
How I.M. Detroit District's 5300 filing moved
I.M. Detroit District: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +14.3% from $1.8M (2025Q4) to $2.0M (2026Q1).
- Net-worth ratio shifted -3.14 pp (29.20% → 26.06%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
26.06% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 91/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 91.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 6.0 pts
Call Report ratios for I.M. Detroit District
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 26.06% | +3.13 pp |
| Delinquency Rate | 0.00% | -4.48 pp |
| Return on Assets | 3.43% | +3.21 pp |
| Member Growth | 41.30% | - |
| Loan-to-Share Ratio | 2.75% | -49.95 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Under $2M (243 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $2.0M | - |
| 2025Q4 | $1.8M | 65 |
| 2024Q4 | $1.8M | 46 |
| 2023Q4 | $1.6M | 32 |
Credit Union Details
- Charter Number
- 62167
- Type
- State
- Field of Membership
- Other
- Peer Group
- Under $2M
- State
- Michigan
- City
- DETROIT
- Data Quarter
- 2025Q4
Branch Locations (2)
I.M. Detroit District operates 2 offices in Detroit, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| I.M. DETROIT DISTRICT CU (Main Office) | Detroit, MI |
| Kenneth Hollowell | Detroit, MI |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Michigan
A look at other Michigan credit unions, ranked by how closely their peer group and asset size match this one.
Cross-state Call Report peers for I.M. Detroit District
Two NCUA Call Report peer sets for I.M. Detroit District, both outside Michigan so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar health score
Nearest other-state credit unions by five-factor health composite (91/100 here).
Using this data
- I.M. Detroit District ranks #869 of 4,374 nationally on financial health and #36 of 171 in MI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- WESTACRES is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with WESTACRES
- 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 I.M. Detroit District financially healthy?
A 26.06% net worth ratio and a 0.00% delinquency rate feed into I.M. Detroit District's financial health score of 91/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #869 of 4,374; by total assets it ranks #4,151 of 4,374 nationally (same basis as /rankings/largest); and #171 of 171 within Michigan. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does I.M. Detroit District compare to other credit unions?
91/100 is I.M. Detroit District's score on PlainCU's health composite, compared to a peer group average for Under $2M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 I.M. Detroit District?
Membership eligibility for I.M. Detroit District depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact I.M. Detroit District directly for current membership requirements and application steps.
Is my money safe at I.M. Detroit District?
Federal credit unions like I.M. Detroit District 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. I.M. Detroit District's net worth ratio of 26.06% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does I.M. Detroit District offer compared to banks?
Credit unions like I.M. Detroit District 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 I.M. Detroit District 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.