State credit union · Auburn Hills, Michigan · NCUA charter #61698
Michigan United
Health score 95/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 95
- Health / 100
- $335.8M
- Total assets
- 24,143
- Members
- 11.9%
- Net-worth ratio
Michigan United scores 95/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $335.8M; members 24,143; net-worth ratio 11.91%; health rank #385 of 4,374; healthier than 90th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#385 of 4,374 health · 2025Q4Michigan United · health 95/100 · $335.8M · 2025Q4
Call Report peers
Michigan United in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Michigan United vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Michigan United sits in 95-99 with 391 others.
95 Top 10% higher than 90% 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 United vs $100M–$500M peers
- Loan-to-Share Ratio leads the peer set - 77.04% here, 72.20% peer average (+4.84 pp).
- Widest shortfall vs peers is Net Worth Ratio: -0.20 pp (11.91% vs 12.11%).
Where Michigan United sits in Michigan
- Michigan health ordinal: #14 of 171.
- By total assets, Michigan United is #61 of 171 in Michigan.
- Membership ranks #54 of 171 among Michigan CUs with a reported count (24,143 members).
- One place up in Michigan, LENCO (#13) ties at 95/100; one place down, FRANKENMUTH (#15) ties at 95/100.
Quarter path for Michigan United
Michigan United: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.2% from $335.8M (2025Q4) to $346.4M (2026Q1).
- Net-worth ratio shifted -0.29 pp (12.20% → 11.91%).
At 11.91%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 95/100 score is built
Michigan United gives up 5 points in total. Member Growth costs the most, 4.6 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 10.4 pts
- Loan-to-Share Ratio 14.6 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.91% | -0.20 pp |
| Delinquency Rate | 0.31% | -0.58 pp |
| Return on Assets | 0.69% | +0.07 pp |
| Member Growth | 1.16% | - |
| Loan-to-Share Ratio | 77.04% | +4.84 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Michigan United filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $346.4M | - |
| 2025Q4 | $335.8M | 24,143 |
| 2024Q4 | $331.7M | 23,866 |
| 2023Q4 | $367.8M | 24,611 |
Credit Union Details
- Charter Number
- 61698
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Michigan
- City
- Auburn Hills
- Data Quarter
- 2025Q4
Branch Locations (9)
The NCUA branch filing lists 9 physical offices for Michigan United, spread across 8 cities.
| Office | City |
|---|---|
| Auburn Hills (Main Office) | Auburn Hills, MI |
| Birmingham | Birmingham, MI |
| Holly | Holly, MI |
| Lake Orion | Lake Orion, MI |
| Shores | Saint Clair Shores, MI |
| Shelby Township | Shelby Township, MI |
| Warren | Warren, MI |
| Waterford North | Waterford, MI |
| Waterford West | Waterford, 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.
Other-state peers near Michigan United
Using this data
- Michigan United ranks #385 of 4,374 nationally on financial health and #14 of 171 in MI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- EXTRA is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with EXTRA
Frequently Asked Questions
Is Michigan United financially healthy?
Michigan United has a financial health score of 95/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #385 of 4,374 nationally on health and #14 of 171 in Michigan. Its net worth ratio is 11.91% and its delinquency rate 0.31%.
How does Michigan United compare to other credit unions?
Michigan United scores 95/100, higher than 90% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (77.04% vs 72.20%). Its widest shortfall is net worth ratio (11.91% vs 12.11%).
How can I join Michigan United?
Membership eligibility for Michigan United depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Michigan United directly for current membership requirements and application steps.
Is my money safe at Michigan United?
Michigan United 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 United's net worth ratio of 11.91% 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.