State credit union · Marshall, Michigan · NCUA charter #62160
Marshall Community
Health score 87/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 87
- Health / 100
- $361.5M
- Total assets
- 16,296
- Members
- 16.7%
- Net-worth ratio
Marshall Community scores 87/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $361.5M; members 16,296; net-worth ratio 16.67%; health rank #1,583 of 4,374; healthier than 60th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#1,583 of 4,374 health · 2025Q4Marshall Community · health 87/100 · $361.5M · 2025Q4
Call Report peers
Marshall Community in the assets neighbourhood
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Marshall Community vs every NCUA-scored credit union
Marshall 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
Peer-gap read for Marshall Community
- Strongest edge vs 1069 $100M–$500M peers is Loan-to-Share Ratio: +8.47 pp (80.67% vs 72.20%).
- Widest shortfall vs peers is Delinquency Rate: +0.81 pp (1.70% vs 0.89%).
Marshall Community: in-state Call Report ranks
- Health composite ranks #74 of 171 among scored Michigan credit unions.
- Michigan assets place: #55 of 171.
- Membership ranks #75 of 171 among Michigan CUs with a reported count (16,296 members).
- One place up in Michigan, ELGA (#73) ties at 87/100; one place down, MANISTIQUE (#75) ties at 87/100.
Marshall Community Call Report trajectory
Marshall Community: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.2% from $361.5M (2025Q4) to $369.6M (2026Q1).
- Net-worth ratio shifted +0.09 pp (16.58% → 16.67%).
16.67% 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
Marshall Community gives up 13 points in total. Delinquency Rate costs the most, 10.3 of its 25; Net Worth Ratio and Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 14.7 pts
- Return on Assets 15.0 pts
- Member Growth 12.7 pts
- Loan-to-Share Ratio 14.6 pts
Marshall Community health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 16.67% | +4.56 pp |
| Delinquency Rate | 1.70% | +0.81 pp |
| Return on Assets | 1.21% | +0.59 pp |
| Member Growth | 3.05% | - |
| Loan-to-Share Ratio | 80.67% | +8.47 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $369.6M | - |
| 2025Q4 | $361.5M | 16,296 |
| 2024Q4 | $330.7M | 15,814 |
| 2023Q4 | $311.8M | 15,324 |
Credit Union Details
- Charter Number
- 62160
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Michigan
- City
- Marshall
- Data Quarter
- 2025Q4
Branch Locations (3)
Marshall Community operates 3 offices across 3 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Marshall Community Credit Union (Main Office) | Marshall, MI |
| Marshall Community Credit Union | Battle Creek, MI |
| Marshall Community Credit Union | Coldwater, 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.
Cross-state Call Report peers for Marshall Community
Using this data
- Marshall Community ranks #1,583 of 4,374 nationally on financial health and #74 of 171 in MI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- OUR is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with OUR
Frequently Asked Questions
Is Marshall Community financially healthy?
Marshall Community has a financial health score of 87/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,583 of 4,374 nationally on health and #74 of 171 in Michigan. Its net worth ratio is 16.67% and its delinquency rate 1.70%.
How does Marshall Community compare to other credit unions?
Marshall 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 loan-to-share ratio (80.67% vs 72.20%). Its widest shortfall is delinquency rate (1.70% vs 0.89%).
How can I join Marshall Community?
Membership eligibility for Marshall Community depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Marshall Community directly for current membership requirements and application steps.
Is my money safe at Marshall Community?
Marshall 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. Marshall Community's net worth ratio of 16.67% 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.