Federal credit union · KINGSFORD, Michigan · NCUA charter #5660
Iron Mountain Kingsford Community
Health score 84/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 84
- Health / 100
- $144.8M
- Total assets
- 10,127
- Members
- 17.6%
- Net-worth ratio
Iron Mountain Kingsford Community - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #5660, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Iron Mountain Kingsford Community - Five Health Pillars
Each bar is the credit union's 0-100 sub-score on one pillar of the composite. The weighted sum of these five sub-scores is the headline health score above, same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)100
- Earnings (ROA)100
- Member growth37
- Liquidity (loan-to-share)58
Weighted composite: 84/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 17.58% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 17.58% | 30% |
| Delinquency Rate | 0.29% | 25% |
| Return on Assets | 2.17% | 15% |
| Member Growth | -1.88% | 15% |
| Loan-to-Share Ratio | 30.53% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $144.8M | 10,127 |
| 2024Q4 | $140.1M | 10,321 |
| 2023Q4 | $135.4M | 10,462 |
Credit Union Details
- Charter Number
- 5660
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Michigan
- City
- KINGSFORD
- Data Quarter
- 2025Q4
What This Data Says About Iron Mountain Kingsford Community
10,127 members and $144.8M in total assets sit behind Iron Mountain Kingsford Community, a federal credit union in KINGSFORD, Michigan, which posts a health score of 84/100 (Excellent) on the five-factor composite, with $36.2M in outstanding loans as of Q4 2025 and a net worth ratio of 17.58% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #5660 in peer group $100M–$500M, a cohort of 1069 similarly-sized institutions.
Loan book quality rounds out the picture. The delinquency rate of 0.29% measures loans 60+ days past due against total loans outstanding - the peer group average for $100M–$500M credit unions sits at 0.894%, so this institution is running tighter than peers. The loan-to-share ratio of 30.53% indicates how aggressively member deposits are being deployed into lending, below the 60% band that typically signals under-deployed capital. Return on assets stands at 2.17% on net income of $3.1M for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -1.88%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Community) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.
Nearby Credit Unions in Michigan
More federally-insured credit unions based in Michigan, ordered by peer group match and asset size.
- CONSUMERS PROFESSIONALLANSING, MI · $100M–$500M85Health
- BEST FINANCIALMUSKEGON, MI · $100M–$500M72Health
- COMMUNITY FIRSTLAKEVIEW, MI · $100M–$500M84Health
- FINANCIALEDGEBay City, MI · $100M–$500M87Health
- LENCOAdrian, MI · $100M–$500M95Health
Compare Iron Mountain Kingsford Community vs CONSUMERS PROFESSIONAL
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Iron Mountain Kingsford Community financially healthy?
Yes/no aside, the number is 84/100 (Excellent) - Iron Mountain Kingsford Community's financial health score from the NCUA 5300 Call Report, Q4 2025. Above 80 reads excellent, below 50 warrants closer monitoring; a 17.58% net worth ratio and 0.29% delinquency rate are the key drivers.
How does Iron Mountain Kingsford Community compare to other credit unions?
On PlainCU's health composite, Iron Mountain Kingsford Community lands at 84/100, compared to a peer group average for $100M–$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 Iron Mountain Kingsford Community?
Iron Mountain Kingsford Community 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 Iron Mountain Kingsford Community directly for the exact boundaries and application steps.
Is my money safe at Iron Mountain Kingsford Community?
Federal credit unions like Iron Mountain Kingsford Community 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. Iron Mountain Kingsford Community's net worth ratio of 17.58% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Iron Mountain Kingsford Community offer compared to banks?
Credit unions like Iron Mountain Kingsford Community 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 Iron Mountain Kingsford Community directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
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.