Federal credit union · Powers, Michigan · NCUA charter #5748
Integra First
Health score 80/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 80
- Health / 100
- $133.1M
- Total assets
- 11,490
- Members
- 8.9%
- Net-worth ratio
Integra First scores 80/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $133.1M; members 11,490; net-worth ratio 8.95%; health rank #2,788 of 4,374; healthier than 36th of scored peers.
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NCUA 5300 Call Report Masthead
#2,788 of 4,374 health · 2025Q4Integra First · health 80/100 · $133.1M · 2025Q4
Call Report peers
Integra First in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Integra First vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Integra First sits in 80-84 with 767 others.
80 36th percentile higher than 36% 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 Integra First
- Largest lag: Loan-to-Share Ratio at 67.43% vs peer 72.20% (-4.77 pp).
Integra First in Michigan
- Health composite ranks #140 of 171 among scored Michigan credit unions.
- Assets rank #102 of 171 inside Michigan ($133.1M reported).
- Member book place in Michigan: #91 of 171.
- One place up in Michigan, Sunrise Family (#139) ties at 80/100; one place down, United Bay Community (#141) ties at 80/100.
Integra First Call Report trajectory
Integra First: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.9% from $133.1M (2025Q4) to $135.6M (2026Q1).
- Net-worth ratio shifted -0.15 pp (9.10% → 8.95%).
This credit union's 8.95% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 80/100 score is built
Integra First gives up 20 points in total. Return on Assets costs the most, 6.5 of its 15; Loan-to-Share Ratio loses the least, 0.6.
- Net Worth Ratio 27.4 pts
- Delinquency Rate 20.0 pts
- Return on Assets 8.5 pts
- Member Growth 9.3 pts
- Loan-to-Share Ratio 14.8 pts
Call Report ratios for Integra First
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.95% | -3.16 pp |
| Delinquency Rate | 1.00% | +0.11 pp |
| Return on Assets | 0.09% | -0.53 pp |
| Member Growth | 0.21% | - |
| Loan-to-Share Ratio | 67.43% | -4.77 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Integra First quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $135.6M | - |
| 2025Q4 | $133.1M | 11,490 |
| 2024Q4 | $129.2M | 11,466 |
| 2023Q4 | $128.2M | 11,540 |
Credit Union Details
- Charter Number
- 5748
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Michigan
- City
- Powers
- Data Quarter
- 2025Q4
Branch Locations (5)
Per its most recent NCUA branch filing, Integra First runs 5 offices in 4 different cities.
| Office | City |
|---|---|
| Powers Branch (Main Office) | Powers, MI |
| Member Driven Technologies | Farmington Hills, MI |
| Menominee Branch | Menominee, MI |
| Menominee High School Branch | Menominee, MI |
| stephenson branch | Stephenson, 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.
Other-state peers near Integra First
Using this data
- Integra First ranks #2,788 of 4,374 nationally on financial health and #140 of 171 in MI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- BREAKWATER is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with BREAKWATER
Frequently Asked Questions
Is Integra First financially healthy?
Integra First has a financial health score of 80/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,788 of 4,374 nationally on health and #140 of 171 in Michigan. Its net worth ratio is 8.95% and its delinquency rate 1.00%.
How does Integra First compare to other credit unions?
Integra First scores 80/100, higher than 36% of the 4,374 scored credit unions. Its widest shortfall is loan-to-share ratio (67.43% vs 72.20%).
How can I join Integra First?
Integra First operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Integra First directly for the exact boundaries and application steps.
Is my money safe at Integra First?
Integra First is a federal 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. Integra First's net worth ratio of 8.95% 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.