Federal credit union · Livonia, Michigan · NCUA charter #5554
Michigan Columbus
Health score 86/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 86
- Health / 100
- $73.8M
- Total assets
- 4,596
- Members
- 16.4%
- Net-worth ratio
Michigan Columbus scores 86/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $73.8M; members 4,596; net-worth ratio 16.35%; health rank #1,768 of 4,374; healthier than 57th of scored peers.
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NCUA 5300 Call Report Masthead
#1,768 of 4,374 health · 2025Q4Michigan Columbus · health 86/100 · $73.8M · 2025Q4
Call Report peers
Michigan Columbus in the assets neighbourhood
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Michigan Columbus vs every NCUA-scored credit union
Michigan Columbus sits in the busiest band, 85-89, alongside 857 other credit unions.
86 Top 43% higher than 57% 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 Columbus: Call Report deltas vs peers
- Net Worth Ratio leads the peer set - 16.35% here, 13.62% peer average (+2.73 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -18.04 pp (44.56% vs 62.60%).
Where Michigan Columbus sits in Michigan
- Health composite ranks #86 of 171 among scored Michigan credit unions.
- By total assets, Michigan Columbus is #123 of 171 in Michigan.
- Membership ranks #129 of 171 among Michigan CUs with a reported count (4,596 members).
- One place up in Michigan, Auto-Owners Associates (#85) ties at 86/100; one place down, Alpena Community (#87) ties at 86/100.
Michigan Columbus Call Report trajectory
Michigan Columbus: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.0% from $73.8M (2025Q4) to $75.3M (2026Q1).
- Net-worth ratio shifted +0.36 pp (15.99% → 16.35%).
At 16.35%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 86/100 score is built
Michigan Columbus gives up 14 points in total. Loan-to-Share Ratio costs the most, 5 of its 15; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 20.2 pts
- Return on Assets 15.0 pts
- Member Growth 10.8 pts
- Loan-to-Share Ratio 10.0 pts
Call Report ratios for Michigan Columbus
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 16.35% | +2.73 pp |
| Delinquency Rate | 0.98% | +0.02 pp |
| Return on Assets | 1.12% | +0.46 pp |
| Member Growth | 1.50% | - |
| Loan-to-Share Ratio | 44.56% | -18.04 pp |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $75.3M | - |
| 2025Q4 | $73.8M | 4,596 |
| 2024Q4 | $74.6M | 4,528 |
| 2023Q4 | $79.2M | 5,620 |
Credit Union Details
- Charter Number
- 5554
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- Michigan
- City
- Livonia
- Data Quarter
- 2025Q4
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for Michigan Columbus.
| Office | City |
|---|---|
| Main 30419 6 Mile Rd (Main Office) | Livonia, MI |
| vital records | Livonia, 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.
Cross-state Call Report peers for Michigan Columbus
Using this data
- Michigan Columbus ranks #1,768 of 4,374 nationally on financial health and #86 of 171 in MI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- THORNAPPLE is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with THORNAPPLE
Frequently Asked Questions
Is Michigan Columbus financially healthy?
On its 2025Q4 NCUA 5300 filing, Michigan Columbus scores 86/100 (Excellent), with a 16.35% net worth ratio and 0.98% of loans delinquent. It ranks #1,768 of 4,374 nationally on health and #86 of 171 in Michigan.
How does Michigan Columbus compare to other credit unions?
Michigan Columbus scores 86/100, higher than 57% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is net worth ratio (16.35% vs 13.62%). Its widest shortfall is loan-to-share ratio (44.56% vs 62.60%).
How can I join Michigan Columbus?
Michigan Columbus 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 Michigan Columbus directly for the exact boundaries and application steps.
Is my money safe at Michigan Columbus?
Michigan Columbus 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. Michigan Columbus's net worth ratio of 16.35% 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.