Federal credit union · East Lansing, Michigan · NCUA charter #23279
Michigan State University
Health score 75/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 75
- Health / 100
- $8.38B
- Total assets
- 396,646
- Members
- 8.4%
- Net-worth ratio
Michigan State University scores 75/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $8.38B; members 396,646; net-worth ratio 8.37%; health rank #3,299 of 4,374; healthier than 24th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#3,299 of 4,374 health · 2025Q4Michigan State University · health 75/100 · $8.38B · 2025Q4
- NCUSIF 75/100
- CAMELS 8.4%
- HEALTH 1.16%
- NW -0.25%
- DELQ $8.38B
- ROA 396,646
- ASSETS #3,299/4,374
- MEM REDSTONE
- RANK 23279
Call Report peers
Michigan State University in the assets neighbourhood
Michigan State University's $8.38B assets sit next to REDSTONE ($8.41B) 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 State University 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
75 24th percentile higher than 24% 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 State University - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #23279, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Michigan State University vs Over $500M peers
- Strongest edge vs 749 Over $500M peers is Loan-to-Share Ratio: +10.09 pp (93.99% vs 83.90%).
- Largest lag: Net Worth Ratio at 8.37% vs peer 11.18% (-2.81 pp).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Michigan State University in Michigan
- Michigan health ordinal: #155 of 171.
- By total assets, Michigan State University is #2 of 171 in Michigan.
- Member book place in Michigan: #2 of 171.
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 State University: 2025Q4 → 2026Q1
Michigan State University: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.6% from $8.38B (2025Q4) to $8.51B (2026Q1).
- Net-worth ratio shifted -0.06 pp (8.43% → 8.37%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 8.37% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 75/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 75.
- Net Worth Ratio 25.9 pts
- Delinquency Rate 18.8 pts
- Return on Assets 2.2 pts
- Member Growth 14.5 pts
- Loan-to-Share Ratio 13.6 pts
Call Report ratios for Michigan State University
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.37% | -2.81 pp |
| Delinquency Rate | 1.16% | +0.28 pp |
| Return on Assets | -0.25% | -0.76 pp |
| Member Growth | 4.55% | - |
| Loan-to-Share Ratio | 93.99% | +10.09 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).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $8.51B | - |
| 2025Q4 | $8.38B | 396,646 |
| 2024Q4 | $8.05B | 379,398 |
| 2023Q4 | $7.69B | 355,456 |
Credit Union Details
- Charter Number
- 23279
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Over $500M
- State
- Michigan
- City
- East Lansing
- Data Quarter
- 2025Q4
Branch Locations (38)
Michigan State University operates 38 offices across 23 cities, spanning 2 states, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| MSUFCU - Headquarters (Main Office) | East Lansing, MI |
| MSUFCU - Algonquin Rd. Branch | Algonquin, IL |
| MSUFCU - Randall Rd. Branch | Algonquin, IL |
| OUCU - Auburn Hills Regional Office | Auburn Hills, MI |
| MSUFCU - Berkley Branch | Berkley, MI |
| MSUFCU - Brighton | Brighton, MI |
| MSUFCU - Charlotte Branch | Charlotte, MI |
| MSUFCU - Halsted Street | Chicago, IL |
| MSUFCU - Lincoln Avenue | Chicago, IL |
| MSUFCU - Division Street | Chicago, IL |
| MSUFCU - Clark Street Branch | Chicago, IL |
| MSUFCU - North Avenue Branch | Chicago, IL |
| MSUFCU - Gold Coast Office | Chicago, IL |
| MSUFCU - Sashabaw Branch | Clarkston, MI |
| MSUFCU - Congress Street Branch | Detroit, MI |
| MSUFCU - Headquarter Branch | East Lansing, MI |
| MSUFCU - Union Building | East Lansing, MI |
| MSUFCU - Farm Lane Branch | East Lansing, MI |
| MSUFCU - HQ2 | East Lansing, MI |
| MSUFCU - Abbot Building | East Lansing, MI |
| MSUFCU - Marsh Branch | Haslett, MI |
| MSUFCU - Holt Branch | Holt, MI |
| MSUFCU - Jackson Branch | Jackson, MI |
| MSUFCU - Johnsburg Branch | Johnsburg, IL |
| MSUFCU - Kentwood | Kentwood, MI |
| MSUFCU - Westside Branch | Lansing, MI |
| MSUFCU - South Lansing Branch | Lansing, MI |
| MSUFCU - Downtown Lansing Branch | Lansing, MI |
| MSUFCU - Mason Branch | Mason, MI |
| MSUFCU - McHenry Branch | McHenry, IL |
| MSUFCU - Novi | Novi, MI |
| MSUFCU - Central Park Branch | Okemos, MI |
| MSUFCU - Meridian Crossing | Okemos, MI |
| MSUFCU - Ortonville Branch | Ortonville, MI |
| MSUFCU - Richmond Branch | Richmond, IL |
| OUCU - Oakland Center Branch | Rochester, MI |
| MSUFCU - Traverse City US 31 | Traverse City, MI |
| MSUFCU - Traverse City Union | Traverse City, MI |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Michigan
More federally-insured credit unions based in Michigan, ordered by peer group match and asset size.
Michigan State University nationwide neighbourhoods
Cross-state asset and health neighbours for Michigan State University - kept outside Michigan; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($8.38B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (75/100 here).
Using this data
- Michigan State University ranks #3,299 of 4,374 nationally on financial health and #155 of 171 in MI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Dfcu Financial is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Dfcu Financial
- 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 State University financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Michigan State University carries a financial health score of 75/100 (Very Good). On the national health ranking (same basis as /rankings/healthiest), it sits at #3,299 of 4,374; by total assets it ranks #46 of 4,374 nationally (same basis as /rankings/largest); and #2 of 171 within Michigan. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 8.37% net worth ratio and a 1.16% delinquency rate.
How does Michigan State University compare to other credit unions?
Five weighted metrics from NCUA filings produce Michigan State University's 75/100 score on PlainCU's health composite, compared to a peer group average for Over $500M 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 State University?
Michigan State University 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 State University directly for the exact boundaries and application steps.
Is my money safe at Michigan State University?
Federal credit unions like Michigan State University 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 State University's net worth ratio of 8.37% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Michigan State University offer compared to banks?
Credit unions like Michigan State University 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 State University 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.