State credit union · Clinton Townshi, Michigan · NCUA charter #62049
Michigan Schools and Government
Health score 93/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 93
- Health / 100
- $4.28B
- Total assets
- 161,135
- Members
- 12.2%
- Net-worth ratio
Michigan Schools and Government scores 93/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $4.28B; members 161,135; net-worth ratio 12.20%; health rank #631 of 4,374; healthier than 84th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#631 of 4,374 health · 2025Q4Michigan Schools · health 93/100 · $4.28B · 2025Q4
Call Report peers
Michigan Schools and Government in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Michigan Schools and Government vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Michigan Schools and Government sits in 90-94 with 747 others.
93 Top 16% higher than 84% 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 Schools and Government vs Over $500M peers
- Strongest edge vs 749 Over $500M peers is Loan-to-Share Ratio: +20.01 pp (103.91% vs 83.90%).
Where Michigan Schools and Government sits in Michigan
- In Michigan, health place is #23 of 171 on the same NCUA-ratio sort used nationally.
- Michigan assets place: #5 of 171.
- Membership ranks #9 of 171 among Michigan CUs with a reported count (161,135 members).
- One place up in Michigan, Lake Superior (#22) ties at 93/100; one place down, Farm Bureau Family (#24) ties at 93/100.
Michigan Schools and Government: 2025Q4 → 2026Q1
Michigan Schools and Government: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.0% from $4.28B (2025Q4) to $4.37B (2026Q1).
- Net-worth ratio shifted -0.05 pp (12.25% → 12.20%).
At 12.20%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 93/100 score is built
Michigan Schools and Government gives up 7 points in total. Loan-to-Share Ratio costs the most, 6 of its 15; Net Worth Ratio and Return on Assets and Member Growth score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 23.6 pts
- Return on Assets 15.0 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 9.4 pts
Michigan Schools and Government vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.20% | +1.02 pp |
| Delinquency Rate | 0.64% | -0.23 pp |
| Return on Assets | 0.87% | +0.37 pp |
| Member Growth | 5.46% | - |
| Loan-to-Share Ratio | 103.91% | +20.01 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
Call Report history - Michigan Schools and Government
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $4.37B | - |
| 2025Q4 | $4.28B | 161,135 |
| 2024Q4 | $3.90B | 152,794 |
| 2023Q4 | $3.63B | 149,277 |
Credit Union Details
- Charter Number
- 62049
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Michigan
- City
- Clinton Townshi
- Data Quarter
- 2025Q4
Branch Locations (24)
Per its most recent NCUA branch filing, Michigan Schools and Government runs 24 offices in 19 different cities.
| Office | City |
|---|---|
| Main (Main Office) | Clinton Township, MI |
| Ann Arbor | Ann Arbor, MI |
| Bloomfield Hills | Bloomfield Hills, MI |
| Canton | Canton, MI |
| Chesterfield | Chesterfield, MI |
| Hall Road | Chesterfield, MI |
| Clawson (T&I) Branch | Clawson, MI |
| Farmington Hills | Farmington Hills, MI |
| Livonia | Livonia, MI |
| Macomb | Macomb, MI |
| Madison Heights | Madison Heights, MI |
| Rochester - The Village | Rochester Hills, MI |
| Rochester Road | Rochester Hills, MI |
| Royal Oak | Royal Oak, MI |
| Shores | Saint Clair Shores, MI |
| Saline | Saline, MI |
| Shelby | Shelby Township, MI |
| Hayes Road | Shelby Township, MI |
| 26 Mile Road Shelby | Shelby Township, MI |
| Sterling Heights | Sterling Heights, MI |
| Mound Road | Sterling Heights, MI |
| Troy | Troy, MI |
| Commerce Township | Walled Lake, MI |
| Warren | Warren, 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.
Other-state peers near Michigan Schools and Government
Using this data
- Michigan Schools and Government ranks #631 of 4,374 nationally on financial health and #23 of 171 in MI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- UNITED is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with UNITED
Frequently Asked Questions
Is Michigan Schools and Government financially healthy?
On its 2025Q4 NCUA 5300 filing, Michigan Schools and Government scores 93/100 (Excellent), with a 12.20% net worth ratio and 0.64% of loans delinquent. It ranks #631 of 4,374 nationally on health and #23 of 171 in Michigan.
How does Michigan Schools and Government compare to other credit unions?
Michigan Schools and Government scores 93/100, higher than 84% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (103.91% vs 83.90%).
How can I join Michigan Schools and Government?
Membership eligibility for Michigan Schools and Government depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Michigan Schools and Government directly for current membership requirements and application steps.
Is my money safe at Michigan Schools and Government?
Michigan Schools and Government 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 Schools and Government's net worth ratio of 12.20% 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.