Federal credit union · MANISTIQUE, Michigan · NCUA charter #18067
MANISTIQUE
Health score 87/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 87
- Health / 100
- $42.7M
- Total assets
- 3,069
- Members
- 15.6%
- Net-worth ratio
MANISTIQUE scores 87/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $42.7M; members 3,069; net-worth ratio 15.60%; health rank #1,594 of 4,374; healthier than 60th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#1,594 of 4,374 health · 2025Q4MANISTIQUE · health 87/100 · $42.7M · 2025Q4
Call Report peers
MANISTIQUE in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
MANISTIQUE vs every NCUA-scored credit union
MANISTIQUE 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
Peer-gap read for MANISTIQUE
- Return on Assets leads the peer set - 1.87% here, 0.70% peer average (+1.16 pp).
- Largest lag: Loan-to-Share Ratio at 51.99% vs peer 59.80% (-7.81 pp).
MANISTIQUE in Michigan
- Health composite ranks #75 of 171 among scored Michigan credit unions.
- Michigan assets place: #139 of 171.
- Michigan membership ordinal: #139 of 171.
- One place up in Michigan, Marshall Community (#74) ties at 87/100; one place down, AEROQUIP (#76) ties at 87/100.
MANISTIQUE: 2025Q4 → 2026Q1
MANISTIQUE: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.7% from $42.7M (2025Q4) to $43.4M (2026Q1).
- Net-worth ratio shifted +0.16 pp (15.44% → 15.60%).
15.60% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 87/100 score is built
MANISTIQUE gives up 13 points in total. Member Growth costs the most, 8.8 of its 15; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 24.5 pts
- Return on Assets 15.0 pts
- Member Growth 6.2 pts
- Loan-to-Share Ratio 11.3 pts
MANISTIQUE health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 15.60% | +0.74 pp |
| Delinquency Rate | 0.55% | -0.59 pp |
| Return on Assets | 1.87% | +1.16 pp |
| Member Growth | -1.54% | - |
| Loan-to-Share Ratio | 51.99% | -7.81 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
MANISTIQUE filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $43.4M | - |
| 2025Q4 | $42.7M | 3,069 |
| 2024Q4 | $40.3M | 3,117 |
| 2023Q4 | $39.4M | 3,126 |
Credit Union Details
- Charter Number
- 18067
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Michigan
- City
- MANISTIQUE
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for MANISTIQUE.
| Office | City |
|---|---|
| Manistique Federal Credit Union (Main Office) | Manistique, 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.
Other-state peers near MANISTIQUE
Similar total assets
Using this data
- MANISTIQUE ranks #1,594 of 4,374 nationally on financial health and #75 of 171 in MI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Auto-Owners Associates is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Auto-Owners Associates
Frequently Asked Questions
Is MANISTIQUE financially healthy?
MANISTIQUE has a financial health score of 87/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,594 of 4,374 nationally on health and #75 of 171 in Michigan. Its net worth ratio is 15.60% and its delinquency rate 0.55%.
How does MANISTIQUE compare to other credit unions?
MANISTIQUE scores 87/100, higher than 60% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is return on assets (1.87% vs 0.70%). Its widest shortfall is loan-to-share ratio (51.99% vs 59.80%).
How can I join MANISTIQUE?
MANISTIQUE 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 MANISTIQUE directly for the exact boundaries and application steps.
Is my money safe at MANISTIQUE?
MANISTIQUE 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. MANISTIQUE's net worth ratio of 15.60% 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.