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
- MEM 87/100
- RANK 16.7%
- PHOTO 1.70%
- BOOK 1.21%
- CHARTER $361.5M
- NCUSIF 16,296
- CAMELS #1,583/4,374
- HEALTH PEOPLESCHOICE
- NW 62160
Call Report peers
Marshall Community in the assets neighbourhood
Marshall Community's $361.5M assets sit next to PEOPLESCHOICE ($361.5M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Marshall Community vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
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
Marshall Community - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #62160 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
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%).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
In-state ordinals use the live credit_unions table for MI only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Marshall Community Call Report trajectory
Marshall Community: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.2% from $361.5M (2025Q4) to $369.6M (2026Q1).
- Net-worth ratio shifted +0.09 pp (16.58% → 16.67%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 87.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
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
Cross-state asset and health neighbours for Marshall Community - kept outside Michigan; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($361.5M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (87/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Michigan credit unions compare overall before assuming this one is typical. Michigan state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Marshall Community financially healthy?
Marshall Community scores 87/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,583 of 4,374; by total assets it ranks #922 of 4,374 nationally (same basis as /rankings/largest); and #55 of 171 within Michigan. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 16.67% net worth ratio and a 1.70% delinquency rate.
How does Marshall Community compare to other credit unions?
Marshall Community scores 87/100 on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
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?
Federal credit unions like Marshall Community are 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."
What rates does Marshall Community offer compared to banks?
Credit unions like Marshall Community are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Marshall Community directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.