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
Call Report peers
Iron Mountain Kingsford Community in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); Iron Mountain Kingsford Community sits in 80-84 with 767 others.
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
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).
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).
- One place up in Michigan, LAFCU (#102) ties at 84/100; one place down, Public Service (#104) ties at 84/100.
Iron Mountain Kingsford Community: 2025Q4 → 2026Q1
Iron Mountain Kingsford Community: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.9% from $144.8M (2025Q4) to $150.4M (2026Q1).
- Net-worth ratio shifted -0.27 pp (17.58% → 17.31%).
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
Iron Mountain Kingsford Community gives up 16 points in total. Member Growth costs the most, 9.4 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- 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 |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is Iron Mountain Kingsford Community financially healthy?
On its 2025Q4 NCUA 5300 filing, Iron Mountain Kingsford Community scores 84/100 (Excellent), with a 17.31% net worth ratio and 0.29% of loans delinquent. It ranks #2,065 of 4,374 nationally on health and #103 of 171 in Michigan.
How does Iron Mountain Kingsford Community compare to other credit unions?
Iron Mountain Kingsford Community scores 84/100, higher than 50% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is net worth ratio (17.31% vs 12.11%). Its widest shortfall is loan-to-share ratio (30.53% vs 72.20%).
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?
Iron Mountain Kingsford Community 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. Iron Mountain Kingsford Community's net worth ratio of 17.31% 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.