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
- NW 93/100
- DELQ 12.2%
- ROA 0.64%
- ASSETS 0.87%
- MEM $4.28B
- RANK 161,135
- PHOTO #631/4,374
- BOOK ONEAZ
- CHARTER 62049
Call Report peers
Michigan Schools and Government in the assets neighbourhood
Michigan Schools and Government's $4.28B assets sit next to ONEAZ ($4.30B) 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 Schools and Government 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
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 - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #62049, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
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%).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
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 Schools and Government: 2025Q4 → 2026Q1
Michigan Schools and Government: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.0% from $4.28B (2025Q4) to $4.37B (2026Q1).
- Net-worth ratio shifted -0.05 pp (12.25% → 12.20%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 93.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
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
Cross-state asset and health neighbours for Michigan Schools and Government - kept outside Michigan; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($4.28B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (93/100 here).
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
- 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 Schools and Government financially healthy?
A 12.20% net worth ratio and a 0.64% delinquency rate feed into Michigan Schools and Government's financial health score of 93/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #631 of 4,374; by total assets it ranks #115 of 4,374 nationally (same basis as /rankings/largest); and #5 of 171 within Michigan. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Michigan Schools and Government compare to other credit unions?
93/100 is Michigan Schools and Government's score on PlainCU's health composite, compared to a peer group average for Over $500M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 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?
Federal credit unions like Michigan Schools and Government 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 Schools and Government's net worth ratio of 12.20% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Michigan Schools and Government offer compared to banks?
Credit unions like Michigan Schools and Government 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 Schools and Government 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.