Federal credit union · KINGSFORD, Michigan · NCUA charter #5660
Iron Mountain Kingsford Community
Health score 84/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 84
- Health / 100
- $144.8M
- Total assets
- 10,127
- Members
- 17.3%
- Net-worth ratio
Iron Mountain Kingsford Community scores 84/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $144.8M; members 10,127; net-worth ratio 17.31%; health rank #2,065 of 4,374; healthier than 50th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#2,065 of 4,374 health · 2025Q4Iron Mountain Kingsford Com… · health 84/100 · $144.8M · 2025Q4
- ASSETS 84/100
- MEM 17.3%
- RANK 0.29%
- PHOTO 2.17%
- BOOK $144.8M
- CHARTER 10,127
- NCUSIF #2,065/4,374
- CAMELS NEBO
- HEALTH 5660
Call Report peers
Iron Mountain Kingsford Community in the assets neighbourhood
Iron Mountain Kingsford Community's $144.8M assets sit next to NEBO ($144.6M) 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.
Iron Mountain Kingsford Community 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
84 Top 50% higher than 50% 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
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.
Where Iron Mountain Kingsford Community diverges from peer averages
- Largest favorable gap: Net Worth Ratio at 17.31% vs peer 12.11% (+5.20 pp).
- Loan-to-Share Ratio trails the peer set - 30.53% here, 72.20% peer average (-41.67 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Iron Mountain Kingsford Community: in-state Call Report ranks
- Michigan health ordinal: #103 of 171.
- Assets rank #94 of 171 inside Michigan ($144.8M reported).
- Membership ranks #96 of 171 among Michigan CUs with a reported count (10,127 members).
In-state ordinals use the live credit_unions table for MI only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Iron Mountain Kingsford Community: 2025Q4 → 2026Q1
Iron Mountain Kingsford Community: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.9% from $144.8M (2025Q4) to $150.4M (2026Q1).
- Net-worth ratio shifted -0.27 pp (17.58% → 17.31%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 17.31% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 84/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 84.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 5.6 pts
- Loan-to-Share Ratio 8.4 pts
Iron Mountain Kingsford Community vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 17.31% | +5.20 pp |
| Delinquency Rate | 0.29% | -0.60 pp |
| Return on Assets | 2.17% | +1.55 pp |
| Member Growth | -1.88% | - |
| Loan-to-Share Ratio | 30.53% | -41.67 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Iron Mountain Kingsford Community quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $150.4M | - |
| 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
Branch Location
Per its most recent NCUA branch filing, Iron Mountain Kingsford Community runs one office.
| Office | City |
|---|---|
| Main Office (Main Office) | Kingsford, MI |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
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
Nationwide credit unions with similar profiles
Two NCUA Call Report peer sets for Iron Mountain Kingsford Community, both outside Michigan so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($144.8M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (84/100 here).
Using this data
- Iron Mountain Kingsford Community ranks #2,065 of 4,374 nationally on financial health and #103 of 171 in MI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Consumers Professional is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Consumers Professional
- 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 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. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,065 of 4,374; by total assets it ranks #1,512 of 4,374 nationally (same basis as /rankings/largest); and #94 of 171 within Michigan. Above 80 reads excellent, below 50 warrants closer monitoring; a 17.31% 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 17.31% 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.
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.