State credit union · Monroe, Michigan · NCUA charter #61748
Monroe Community
Health score 96/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 96
- Health / 100
- $393.1M
- Total assets
- 31,705
- Members
- 11.1%
- Net-worth ratio
Monroe Community scores 96/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $393.1M; members 31,705; net-worth ratio 11.10%; health rank #273 of 4,374; healthier than 93rd of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#273 of 4,374 health · 2025Q4Monroe Community · health 96/100 · $393.1M · 2025Q4
- HEALTH 96/100
- NW 11.1%
- DELQ 0.18%
- ROA 1.16%
- ASSETS $393.1M
- MEM 31,705
- RANK #273/4,374
- PHOTO San Antonio Citizens
- BOOK 61748
Call Report peers
Monroe Community in the assets neighbourhood
Monroe Community's $393.1M assets sit next to San Antonio Citizens ($392.7M) 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.
Monroe Community 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
96 Top 7% higher than 93% 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
Monroe Community - Share Insurance Coverage
Charter #61748's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Monroe Community: Call Report deltas vs peers
- Strongest edge vs 1069 $100M–$500M peers is Loan-to-Share Ratio: +2.08 pp (74.28% vs 72.20%).
- Widest shortfall vs peers is Net Worth Ratio: -1.01 pp (11.10% vs 12.11%).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Monroe Community sits in Michigan
- Health composite ranks #5 of 171 among scored Michigan credit unions.
- Michigan assets place: #52 of 171.
- Member book place in Michigan: #44 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.
Monroe Community: 2025Q4 → 2026Q1
Monroe Community: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.9% from $393.1M (2025Q4) to $404.4M (2026Q1).
- Net-worth ratio shifted +0.05 pp (11.05% → 11.10%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 11.10% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 96/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 96.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 11.1 pts
- Loan-to-Share Ratio 14.9 pts
Call Report ratios for Monroe Community
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.10% | -1.01 pp |
| Delinquency Rate | 0.18% | -0.72 pp |
| Return on Assets | 1.16% | +0.54 pp |
| Member Growth | 1.73% | - |
| Loan-to-Share Ratio | 74.28% | +2.08 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Monroe Community filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $404.4M | - |
| 2025Q4 | $393.1M | 31,705 |
| 2024Q4 | $365.2M | 31,165 |
| 2023Q4 | $339.9M | 29,884 |
Credit Union Details
- Charter Number
- 61748
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Michigan
- City
- Monroe
- Data Quarter
- 2025Q4
Branch Locations (6)
The NCUA branch filing lists 6 physical offices for Monroe Community, spread across 5 cities.
| Office | City |
|---|---|
| Main Office (MOT) (Main Office) | Monroe, MI |
| Dundee | Dundee, MI |
| Maybee | Maybee, MI |
| Winchester (WIN) | Monroe, MI |
| Newport (DIX) | Newport, MI |
| Bedford (BED) | Temperance, 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.
Monroe Community nationwide neighbourhoods
Two NCUA Call Report peer sets for Monroe Community, both outside Michigan so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($393.1M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (96/100 here).
Using this data
- Monroe Community ranks #273 of 4,374 nationally on financial health and #5 of 171 in MI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- CASE is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with CASE
- 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 Monroe Community financially healthy?
Monroe Community scores 96/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #273 of 4,374; by total assets it ranks #879 of 4,374 nationally (same basis as /rankings/largest); and #52 of 171 within Michigan. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 11.10% net worth ratio and a 0.18% delinquency rate.
How does Monroe Community compare to other credit unions?
On PlainCU's health composite, Monroe Community lands at 96/100, compared to a peer group average for $100M–$500M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), delinquency rate (25%), return on assets (15%), member growth (15%), and 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 Monroe Community?
Membership eligibility for Monroe Community depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Monroe Community directly for current membership requirements and application steps.
Is my money safe at Monroe Community?
Federal credit unions like Monroe Community 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. Monroe Community's net worth ratio of 11.10% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Monroe Community offer compared to banks?
Credit unions like Monroe Community 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 Monroe Community 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.