State credit union · Plymouth, Michigan · NCUA charter #60931
Michigan Educational
Health score 84/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 84
- Health / 100
- $1.09B
- Total assets
- 47,814
- Members
- 11.5%
- Net-worth ratio
Michigan Educational scores 84/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.09B; members 47,814; net-worth ratio 11.54%; health rank #2,123 of 4,374; healthier than 50th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#2,123 of 4,374 health · 2025Q4Michigan Educational · health 84/100 · $1.09B · 2025Q4
Call Report peers
Michigan Educational in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Michigan Educational vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Michigan Educational sits in 80-84 with 767 others.
84 Top 50% higher than 50% 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 Educational: Call Report deltas vs peers
- Strongest edge vs 749 Over $500M peers is Delinquency Rate: -0.57 pp (0.30% vs 0.87%).
- Widest shortfall vs peers is Loan-to-Share Ratio: -33.98 pp (49.92% vs 83.90%).
Michigan Educational in Michigan
- Michigan health ordinal: #106 of 171.
- Michigan assets place: #25 of 171.
- Member book place in Michigan: #35 of 171.
- One place up in Michigan, INTANDEM (#105) ties at 84/100; one place down, Limestone Financial (#107) ties at 84/100.
Michigan Educational: 2025Q4 → 2026Q1
Michigan Educational: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.0% from $1.09B (2025Q4) to $1.11B (2026Q1).
- Net-worth ratio shifted -0.13 pp (11.67% → 11.54%).
At 11.54%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 84/100 score is built
Michigan Educational gives up 16 points in total. Member Growth costs the most, 9 of its 15; Net Worth Ratio and Delinquency Rate score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 12.5 pts
- Member Growth 6.0 pts
- Loan-to-Share Ratio 10.5 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.54% | +0.36 pp |
| Delinquency Rate | 0.30% | -0.57 pp |
| Return on Assets | 0.33% | -0.18 pp |
| Member Growth | -1.69% | - |
| Loan-to-Share Ratio | 49.92% | -33.98 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
Call Report history - Michigan Educational
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.11B | - |
| 2025Q4 | $1.09B | 47,814 |
| 2024Q4 | $1.03B | 48,637 |
| 2023Q4 | $1.01B | 49,994 |
Credit Union Details
- Charter Number
- 60931
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Michigan
- City
- Plymouth
- Data Quarter
- 2025Q4
Branch Locations (7)
The NCUA branch filing lists 7 physical offices for Michigan Educational, spread across 6 cities.
| Office | City |
|---|---|
| Michigan Educational Credit Union (Main Office) | Plymouth, MI |
| MECU-Ann Arbor | Ann Arbor, MI |
| MECU-Brighton | Brighton, MI |
| MECU-Livonia | Livonia, MI |
| MECU-Macomb | Macomb, MI |
| MECU Vital Records | Plymouth, MI |
| MECU-Royal Oak | Royal Oak, 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 Educational
Using this data
- Michigan Educational ranks #2,123 of 4,374 nationally on financial health and #106 of 171 in MI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Christian Financial is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Christian Financial
Frequently Asked Questions
Is Michigan Educational financially healthy?
Michigan Educational has a financial health score of 84/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,123 of 4,374 nationally on health and #106 of 171 in Michigan. Its net worth ratio is 11.54% and its delinquency rate 0.30%.
How does Michigan Educational compare to other credit unions?
Michigan Educational scores 84/100, higher than 50% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is delinquency rate (0.30% vs 0.87%). Its widest shortfall is loan-to-share ratio (49.92% vs 83.90%).
How can I join Michigan Educational?
Membership eligibility for Michigan Educational depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Michigan Educational directly for current membership requirements and application steps.
Is my money safe at Michigan Educational?
Michigan Educational 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 Educational's net worth ratio of 11.54% 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.