State credit union · EDMORE, Michigan · NCUA charter #61999
Montcalm Public Employees
Health score 68/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 68
- Health / 100
- $25.9M
- Total assets
- 1,763
- Members
- 16.4%
- Net-worth ratio
Montcalm Public Employees scores 68/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $25.9M; members 1,763; net-worth ratio 16.44%; health rank #3,702 of 4,374; healthier than 15th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#3,702 of 4,374 health · 2025Q4Montcalm Public Employees · health 68/100 · $25.9M · 2025Q4
- RANK 68/100
- PHOTO 16.4%
- BOOK 2.12%
- CHARTER 1.24%
- NCUSIF $25.9M
- CAMELS 1,763
- HEALTH #3,702/4,374
- NW LAKES
- DELQ 61999
Call Report peers
Montcalm Public Employees in the assets neighbourhood
Montcalm Public Employees's $25.9M assets sit next to LAKES ($25.9M) 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.
Montcalm Public Employees 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
68 15th percentile higher than 15% 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
Montcalm Public Employees - Share Insurance Coverage
Charter #61999'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.
Peer-gap read for Montcalm Public Employees
- Largest favorable gap: Net Worth Ratio at 16.44% vs peer 14.86% (+1.58 pp).
- Loan-to-Share Ratio trails the peer set - 33.65% here, 59.80% peer average (-26.15 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Montcalm Public Employees in Michigan
- Michigan health ordinal: #164 of 171.
- By total assets, Montcalm Public Employees is #154 of 171 in Michigan.
- Membership ranks #159 of 171 among Michigan CUs with a reported count (1,763 members).
In-state ordinals use the live credit_unions table for MI only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for Montcalm Public Employees
Montcalm Public Employees: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +4.5% from $25.9M (2025Q4) to $27.1M (2026Q1).
- Net-worth ratio shifted -0.38 pp (16.82% → 16.44%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
16.44% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 68/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 68.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 11.7 pts
- Return on Assets 15.0 pts
- Member Growth 2.0 pts
- Loan-to-Share Ratio 9.3 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 16.44% | +1.58 pp |
| Delinquency Rate | 2.12% | +0.98 pp |
| Return on Assets | 1.24% | +0.53 pp |
| Member Growth | -3.87% | - |
| Loan-to-Share Ratio | 33.65% | -26.15 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Call Report history - Montcalm Public Employees
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $27.1M | - |
| 2025Q4 | $25.9M | 1,763 |
| 2024Q4 | $24.1M | 1,834 |
| 2023Q4 | $24.0M | 1,824 |
Credit Union Details
- Charter Number
- 61999
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Michigan
- City
- EDMORE
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for Montcalm Public Employees.
| Office | City |
|---|---|
| Montcalm Public Employees Credit Union (Main Office) | Edmore, 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.
Other-state peers near Montcalm Public Employees
Cross-state asset and health neighbours for Montcalm Public Employees - kept outside Michigan; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($25.9M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (68/100 here).
Using this data
- Montcalm Public Employees ranks #3,702 of 4,374 nationally on financial health and #164 of 171 in MI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Northwest Consumers is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Northwest Consumers
- 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 Montcalm Public Employees financially healthy?
Montcalm Public Employees scores 68/100 (Good) 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 #3,702 of 4,374; by total assets it ranks #2,965 of 4,374 nationally (same basis as /rankings/largest); and #154 of 171 within Michigan. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 16.44% net worth ratio and a 2.12% delinquency rate.
How does Montcalm Public Employees compare to other credit unions?
68/100 is Montcalm Public Employees's score on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 Montcalm Public Employees?
Membership eligibility for Montcalm Public Employees depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Montcalm Public Employees directly for current membership requirements and application steps.
Is my money safe at Montcalm Public Employees?
Federal credit unions like Montcalm Public Employees 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. Montcalm Public Employees's net worth ratio of 16.44% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Montcalm Public Employees offer compared to banks?
Credit unions like Montcalm Public Employees 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 Montcalm Public Employees 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.