State credit union · Muskegon, Michigan · NCUA charter #61631
Michigan Coastal
Health score 53/100, grade D (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 53
- Health / 100
- $26.4M
- Total assets
- 2,446
- Members
- 8.3%
- Net-worth ratio
Michigan Coastal scores 53/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $26.4M; members 2,446; net-worth ratio 8.34%; health rank #4,228 of 4,374; healthier than 3rd of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#4,228 of 4,374 health · 2025Q4Michigan Coastal · health 53/100 · $26.4M · 2025Q4
Call Report peers
Michigan Coastal in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Michigan Coastal vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Michigan Coastal sits in 50-54 with 82 others.
53 3rd percentile higher than 3% 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
Michigan Coastal: Call Report deltas vs peers
- Largest favorable gap: Loan-to-Share Ratio at 97.35% vs peer 59.80% (+37.55 pp).
- Largest lag: Net Worth Ratio at 8.34% vs peer 14.86% (-6.52 pp).
Michigan Coastal in Michigan
- In Michigan, health place is #171 of 171 on the same NCUA-ratio sort used nationally.
- Assets rank #153 of 171 inside Michigan ($26.4M reported).
- Membership ranks #149 of 171 among Michigan CUs with a reported count (2,446 members).
- No scored Michigan credit union ranks lower; the next one up, Southeast Michigan State Employees (#170) ties at 53/100.
Michigan Coastal Call Report trajectory
Michigan Coastal: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -1.1% from $26.4M (2025Q4) to $26.1M (2026Q1).
- Net-worth ratio shifted +0.26 pp (8.08% → 8.34%).
8.34% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 53/100 score is built
Michigan Coastal gives up 47 points in total. Member Growth costs the most, 14.8 of its 15; Loan-to-Share Ratio loses the least, 3.3.
- Net Worth Ratio 25.8 pts
- Delinquency Rate 14.0 pts
- Return on Assets 1.6 pts
- Member Growth 0.2 pts
- Loan-to-Share Ratio 11.4 pts
Michigan Coastal health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.34% | -6.52 pp |
| Delinquency Rate | 1.80% | +0.65 pp |
| Return on Assets | -0.32% | -1.03 pp |
| Member Growth | -4.90% | - |
| Loan-to-Share Ratio | 97.35% | +37.55 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $26.1M | - |
| 2025Q4 | $26.4M | 2,446 |
| 2024Q4 | $27.7M | 2,572 |
| 2023Q4 | $28.9M | 2,664 |
Credit Union Details
- Charter Number
- 61631
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Michigan
- City
- Muskegon
- Data Quarter
- 2025Q4
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for Michigan Coastal.
| Office | City |
|---|---|
| Michigan Coastal Credit Union (Main Office) | Muskegon, MI |
| 5906 Commerce | Muskegon, 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.
Cross-state Call Report peers for Michigan Coastal
Similar total assets
Similar health score
Using this data
- Michigan Coastal ranks #4,228 of 4,374 nationally on financial health and #171 of 171 in MI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Montcalm Public Employees is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Montcalm Public Employees
Frequently Asked Questions
Is Michigan Coastal financially healthy?
Michigan Coastal has a financial health score of 53/100 (Fair) from its 2025Q4 NCUA 5300 Call Report. It ranks #4,228 of 4,374 nationally on health and #171 of 171 in Michigan. Its net worth ratio is 8.34% and its delinquency rate 1.80%.
How does Michigan Coastal compare to other credit unions?
Michigan Coastal scores 53/100, higher than 3% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (97.35% vs 59.80%). Its widest shortfall is net worth ratio (8.34% vs 14.86%).
How can I join Michigan Coastal?
Membership eligibility for Michigan Coastal depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Michigan Coastal directly for current membership requirements and application steps.
Is my money safe at Michigan Coastal?
Michigan Coastal 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. Michigan Coastal's net worth ratio of 8.34% 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.