State credit union · MT Pleasant, Michigan · NCUA charter #61318
Isabella Community
Health score 87/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 87
- Health / 100
- $220.6M
- Total assets
- 13,488
- Members
- 9.7%
- Net-worth ratio
Isabella Community scores 87/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $220.6M; members 13,488; net-worth ratio 9.71%; health rank #1,699 of 4,374; healthier than 60th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#1,699 of 4,374 health · 2025Q4Isabella Community · health 87/100 · $220.6M · 2025Q4
Call Report peers
Isabella Community in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Isabella Community vs every NCUA-scored credit union
Isabella Community sits in the busiest band, 85-89, alongside 857 other credit unions.
87 Top 40% higher than 60% 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
Isabella Community: Call Report deltas vs peers
- Largest favorable gap: Delinquency Rate at 0.81% vs peer 0.89% (-0.09 pp).
- Loan-to-Share Ratio trails the peer set - 59.56% here, 72.20% peer average (-12.64 pp).
Where Isabella Community sits in Michigan
- Michigan health ordinal: #82 of 171.
- By total assets, Isabella Community is #75 of 171 in Michigan.
- Michigan membership ordinal: #84 of 171.
- One place up in Michigan, Traverse Catholic (#81) ties at 87/100; one place down, Freestar Financial (#83) ties at 87/100.
How Isabella Community's 5300 filing moved
Isabella Community: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.9% from $220.6M (2025Q4) to $222.6M (2026Q1).
- Net-worth ratio shifted +0.20 pp (9.51% → 9.71%).
This credit union's 9.71% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 87/100 score is built
Isabella Community gives up 13 points in total. Member Growth costs the most, 6.8 of its 15; Return on Assets scores full marks.
- Net Worth Ratio 29.3 pts
- Delinquency Rate 21.9 pts
- Return on Assets 15.0 pts
- Member Growth 8.2 pts
- Loan-to-Share Ratio 12.6 pts
Isabella Community health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.71% | -2.40 pp |
| Delinquency Rate | 0.81% | -0.09 pp |
| Return on Assets | 0.57% | -0.05 pp |
| Member Growth | -0.42% | - |
| Loan-to-Share Ratio | 59.56% | -12.64 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Isabella Community filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $222.6M | - |
| 2025Q4 | $220.6M | 13,488 |
| 2024Q4 | $207.1M | 13,545 |
| 2023Q4 | $191.7M | 13,389 |
Credit Union Details
- Charter Number
- 61318
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Michigan
- City
- MT Pleasant
- Data Quarter
- 2025Q4
Branch Locations (5)
Isabella Community operates 5 offices across 3 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Isabella Community Credit Union (Main Office) | MT Pleasant, MI |
| CUAnswers | Grand Rapids, MI |
| Isabella Community Credit Union | MT Pleasant, MI |
| Gratiot Isabella Technical Education Center (at Mt Pleasant High School) | MT Pleasant, MI |
| Isabella Community Credit Union | Mt Pleasant, 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.
Isabella Community nationwide neighbourhoods
Similar total assets
Using this data
- Isabella Community ranks #1,699 of 4,374 nationally on financial health and #82 of 171 in MI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Michigan Legacy is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Michigan Legacy
Frequently Asked Questions
Is Isabella Community financially healthy?
On its 2025Q4 NCUA 5300 filing, Isabella Community scores 87/100 (Excellent), with a 9.71% net worth ratio and 0.81% of loans delinquent. It ranks #1,699 of 4,374 nationally on health and #82 of 171 in Michigan.
How does Isabella Community compare to other credit unions?
Isabella Community scores 87/100, higher than 60% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is delinquency rate (0.81% vs 0.89%). Its widest shortfall is loan-to-share ratio (59.56% vs 72.20%).
How can I join Isabella Community?
Membership eligibility for Isabella Community depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Isabella Community directly for current membership requirements and application steps.
Is my money safe at Isabella Community?
Isabella Community is a state-chartered 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. Isabella Community's net worth ratio of 9.71% 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.