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
Call Report peers
Monroe Community in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); Monroe Community sits in 95-99 with 391 others.
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: 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%).
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.
- One place up in Michigan, PFCU (#4) ties at 96/100; one place down, AAC (#6) scores 95/100, 1 point lower.
Monroe Community: 2025Q4 → 2026Q1
Monroe Community: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.9% from $393.1M (2025Q4) to $404.4M (2026Q1).
- Net-worth ratio shifted +0.05 pp (11.05% → 11.10%).
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
Monroe Community gives up 4 points in total. Member Growth costs the most, 3.9 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 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 |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is Monroe Community financially healthy?
Monroe Community has a financial health score of 96/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #273 of 4,374 nationally on health and #5 of 171 in Michigan. Its net worth ratio is 11.10% and its delinquency rate 0.18%.
How does Monroe Community compare to other credit unions?
Monroe Community scores 96/100, higher than 93% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (74.28% vs 72.20%). Its widest shortfall is net worth ratio (11.10% vs 12.11%).
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?
Monroe Community 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. Monroe Community's net worth ratio of 11.10% 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.