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
Call Report peers
Michigan State University in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); Michigan State University sits in 75-79 with 502 others.
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 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).
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.
- One place up in Michigan, Community West (#154) ties at 75/100; one place down, Grand Trunk Battle Creek Emp (#156) scores 73/100, 2 points lower.
Michigan State University: 2025Q4 → 2026Q1
Michigan State University: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.6% from $8.38B (2025Q4) to $8.51B (2026Q1).
- Net-worth ratio shifted -0.06 pp (8.43% → 8.37%).
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
Michigan State University gives up 25 points in total. Return on Assets costs the most, 12.8 of its 15; Member Growth loses the least, 0.5.
- 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 |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is Michigan State University financially healthy?
Michigan State University has a financial health score of 75/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,299 of 4,374 nationally on health and #155 of 171 in Michigan. Its net worth ratio is 8.37% and its delinquency rate 1.16%.
How does Michigan State University compare to other credit unions?
Michigan State University scores 75/100, higher than 24% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (93.99% vs 83.90%). Its widest shortfall is net worth ratio (8.37% vs 11.18%).
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?
Michigan State University 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 State University's net worth ratio of 8.37% 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.