Federal credit union · MUSKEGON, Michigan · NCUA charter #7509
MUSKEGON
Health score 89/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 89
- Health / 100
- $77.2M
- Total assets
- 5,020
- Members
- 10.8%
- Net-worth ratio
MUSKEGON scores 89/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $77.2M; members 5,020; net-worth ratio 10.83%; health rank #1,299 of 4,374; healthier than 69th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#1,299 of 4,374 health · 2025Q4MUSKEGON · health 89/100 · $77.2M · 2025Q4
Call Report peers
MUSKEGON in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
MUSKEGON vs every NCUA-scored credit union
MUSKEGON sits in the busiest band, 85-89, alongside 857 other credit unions.
89 Top 31% higher than 69% 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
Where MUSKEGON diverges from peer averages
- Delinquency Rate leads the peer set - 0.34% here, 0.96% peer average (-0.62 pp).
- Loan-to-Share Ratio trails the peer set - 46.75% here, 62.60% peer average (-15.85 pp).
Michigan standing for MUSKEGON
- In Michigan, health place is #58 of 171 on the same NCUA-ratio sort used nationally.
- By total assets, MUSKEGON is #121 of 171 in Michigan.
- Member book place in Michigan: #123 of 171.
- One place up in Michigan, Dfcu Financial (#57) ties at 89/100; one place down, GERBER (#59) ties at 89/100.
MUSKEGON: 2025Q4 → 2026Q1
MUSKEGON: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +4.9% from $77.2M (2025Q4) to $80.9M (2026Q1).
- Net-worth ratio shifted -0.34 pp (11.17% → 10.83%).
10.83% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 89/100 score is built
MUSKEGON gives up 11 points in total. Member Growth costs the most, 5.9 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 9.1 pts
- Loan-to-Share Ratio 9.9 pts
MUSKEGON health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.83% | -2.79 pp |
| Delinquency Rate | 0.34% | -0.62 pp |
| Return on Assets | 0.90% | +0.24 pp |
| Member Growth | 0.08% | - |
| Loan-to-Share Ratio | 46.75% | -15.85 pp |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
Call Report history - MUSKEGON
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $80.9M | - |
| 2025Q4 | $77.2M | 5,020 |
| 2024Q4 | $76.4M | 5,016 |
| 2023Q4 | $69.1M | 5,029 |
Credit Union Details
- Charter Number
- 7509
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- Michigan
- City
- MUSKEGON
- Data Quarter
- 2025Q4
Branch Locations (3)
Per its most recent NCUA branch filing, MUSKEGON runs 3 offices in 2 different cities.
| Office | City |
|---|---|
| CORPORATE OFFICE (Main Office) | MUSKEGON, MI |
| CUANSWERS | GRAND RAPIDS, MI |
| BRANCH | MUSKEGON, 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.
MUSKEGON nationwide neighbourhoods
Using this data
- MUSKEGON ranks #1,299 of 4,374 nationally on financial health and #58 of 171 in MI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- THORNAPPLE is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with THORNAPPLE
Frequently Asked Questions
Is MUSKEGON financially healthy?
MUSKEGON has a financial health score of 89/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,299 of 4,374 nationally on health and #58 of 171 in Michigan. Its net worth ratio is 10.83% and its delinquency rate 0.34%.
How does MUSKEGON compare to other credit unions?
MUSKEGON scores 89/100, higher than 69% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is delinquency rate (0.34% vs 0.96%). Its widest shortfall is loan-to-share ratio (46.75% vs 62.60%).
How can I join MUSKEGON?
MUSKEGON 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 MUSKEGON directly for the exact boundaries and application steps.
Is my money safe at MUSKEGON?
MUSKEGON 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. MUSKEGON's net worth ratio of 10.83% 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.