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
- DELQ 53/100
- ROA 8.3%
- ASSETS 1.80%
- MEM -0.32%
- RANK $26.4M
- PHOTO 2,446
- BOOK #4,228/4,374
- CHARTER Monroe County Teachers
- NCUSIF 61631
Call Report peers
Michigan Coastal in the assets neighbourhood
Michigan Coastal's $26.4M assets sit next to Monroe County Teachers ($26.4M) 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.
Michigan Coastal 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
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 - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #61631, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
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).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
In-state ordinals use the live credit_unions table for MI only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Michigan Coastal Call Report trajectory
Michigan Coastal: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -1.1% from $26.4M (2025Q4) to $26.1M (2026Q1).
- Net-worth ratio shifted +0.26 pp (8.08% → 8.34%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 53.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
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
Two NCUA Call Report peer sets for Michigan Coastal, both outside Michigan so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($26.4M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (53/100 here).
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
- 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 Michigan Coastal financially healthy?
Michigan Coastal has a financial health score of 53/100 (Fair) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #4,228 of 4,374; by total assets it ranks #2,955 of 4,374 nationally (same basis as /rankings/largest); and #153 of 171 within Michigan. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 8.34% and delinquency rate of 1.80%.
How does Michigan Coastal compare to other credit unions?
Five weighted metrics from NCUA filings produce Michigan Coastal's 53/100 score on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 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?
Federal credit unions like Michigan Coastal 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. Michigan Coastal's net worth ratio of 8.34% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Michigan Coastal offer compared to banks?
Credit unions like Michigan Coastal 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 Michigan Coastal 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.