State credit union · Manistique, Michigan · NCUA charter #68743
Limestone Financial
Health score 84/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 84
- Health / 100
- $80.0M
- Total assets
- 4,876
- Members
- 10.8%
- Net-worth ratio
Limestone Financial scores 84/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $80.0M; members 4,876; net-worth ratio 10.84%; health rank #2,142 of 4,374; healthier than 50th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#2,142 of 4,374 health · 2025Q4Limestone Financial · health 84/100 · $80.0M · 2025Q4
Call Report peers
Limestone Financial in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Limestone Financial vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Limestone Financial 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
Peer-gap read for Limestone Financial
- Largest favorable gap: Loan-to-Share Ratio at 89.43% vs peer 62.60% (+26.83 pp).
- Net Worth Ratio trails the peer set - 10.84% here, 13.62% peer average (-2.78 pp).
Michigan standing for Limestone Financial
- In Michigan, health place is #107 of 171 on the same NCUA-ratio sort used nationally.
- Assets rank #120 of 171 inside Michigan ($80.0M reported).
- Member book place in Michigan: #125 of 171.
- One place up in Michigan, Michigan Educational (#106) ties at 84/100; one place down, CONSTRUCTION (#108) ties at 84/100.
How Limestone Financial's 5300 filing moved
- Assets moved +1.3% from $80.0M (2025Q4) to $81.1M (2026Q1).
- Net-worth ratio shifted -0.03 pp (10.87% → 10.84%).
10.84% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 84/100 score is built
Limestone Financial gives up 16 points in total. Return on Assets costs the most, 12.4 of its 17.6; Net Worth Ratio and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 35.3 pts
- Delinquency Rate 25.8 pts
- Return on Assets 5.3 pts
- Loan-to-Share Ratio 17.6 pts
Limestone Financial health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.84% | -2.78 pp |
| Delinquency Rate | 0.80% | -0.16 pp |
| Return on Assets | 0.00% | -0.66 pp |
| Member Growth | N/A | - |
| Loan-to-Share Ratio | 89.43% | +26.83 pp |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
Call Report history - Limestone Financial
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $81.1M | - |
| 2025Q4 | $80.0M | 4,876 |
Credit Union Details
- Charter Number
- 68743
- Type
- State
- Field of Membership
- Other
- Peer Group
- $50M–$100M
- State
- Michigan
- City
- Manistique
- Data Quarter
- 2025Q4
Branch Locations (3)
Limestone Financial operates 3 offices across 2 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Main Office (Main Office) | Manistique, MI |
| The Hub-Limestone FCU | Manistique, MI |
| The Hub @ LSSU | Sault Sainte Marie, MI |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Michigan
Other federally-insured credit unions in Michigan, closest first by peer group and asset size.
Other-state peers near Limestone Financial
Using this data
- Limestone Financial ranks #2,142 of 4,374 nationally on financial health and #107 of 171 in MI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Lake Huron is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Lake Huron
Frequently Asked Questions
Is Limestone Financial financially healthy?
On its 2025Q4 NCUA 5300 filing, Limestone Financial scores 84/100 (Excellent), with a 10.84% net worth ratio and 0.80% of loans delinquent. It ranks #2,142 of 4,374 nationally on health and #107 of 171 in Michigan.
How does Limestone Financial compare to other credit unions?
Limestone Financial scores 84/100, higher than 50% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is loan-to-share ratio (89.43% vs 62.60%). Its widest shortfall is net worth ratio (10.84% vs 13.62%).
How can I join Limestone Financial?
Membership eligibility for Limestone Financial depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Limestone Financial directly for current membership requirements and application steps.
Is my money safe at Limestone Financial?
Limestone Financial 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. Limestone Financial's net worth ratio of 10.84% 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.