Federal credit union · MUSKEGON, Michigan · NCUA charter #8141
Muskegon St Joseph
Health score 58/100, grade D (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 58
- Health / 100
- $13.4M
- Total assets
- 1,323
- Members
- 10.3%
- Net-worth ratio
Muskegon St Joseph scores 58/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $13.4M; members 1,323; net-worth ratio 10.31%; health rank #4,115 of 4,374; healthier than 6th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#4,115 of 4,374 health · 2025Q4Muskegon St Joseph · health 58/100 · $13.4M · 2025Q4
- HEALTH 58/100
- NW 10.3%
- DELQ 1.90%
- ROA -0.71%
- ASSETS $13.4M
- MEM 1,323
- RANK #4,115/4,374
- PHOTO Local 1233
- BOOK 8141
Call Report peers
Muskegon St Joseph in the assets neighbourhood
Muskegon St Joseph's $13.4M assets sit next to Local 1233 ($13.4M) 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.
Muskegon St Joseph 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
58 6th percentile higher than 6% 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
Muskegon St Joseph - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #8141 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Where Muskegon St Joseph diverges from peer averages
- Strongest edge vs 1163 $10M–$50M peers is Loan-to-Share Ratio: +10.09 pp (69.89% vs 59.80%).
- Largest lag: Net Worth Ratio at 10.31% vs peer 14.86% (-4.55 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Muskegon St Joseph in Michigan
- Michigan health ordinal: #169 of 171.
- Assets rank #165 of 171 inside Michigan ($13.4M reported).
- Michigan membership ordinal: #161 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.
How Muskegon St Joseph's 5300 filing moved
Muskegon St Joseph: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -2.8% from $13.4M (2025Q4) to $13.0M (2026Q1).
- Net-worth ratio shifted +0.37 pp (9.94% → 10.31%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 10.31%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 58/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 58.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 13.2 pts
- Return on Assets 0.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 14.8 pts
Call Report ratios for Muskegon St Joseph
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.31% | -4.55 pp |
| Delinquency Rate | 1.90% | +0.76 pp |
| Return on Assets | -0.71% | -1.41 pp |
| Member Growth | -8.63% | - |
| Loan-to-Share Ratio | 69.89% | +10.09 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).
Muskegon St Joseph quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $13.0M | - |
| 2025Q4 | $13.4M | 1,323 |
| 2024Q4 | $13.6M | 1,448 |
| 2023Q4 | $16.1M | 1,521 |
Credit Union Details
- Charter Number
- 8141
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Michigan
- City
- MUSKEGON
- Data Quarter
- 2025Q4
Branch Location
Muskegon St Joseph operates a single office in Muskegon, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Main Office (Main Office) | Muskegon, 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 Muskegon St Joseph
Cross-state asset and health neighbours for Muskegon St Joseph - kept outside Michigan; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($13.4M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (58/100 here).
Using this data
- Muskegon St Joseph ranks #4,115 of 4,374 nationally on financial health and #169 of 171 in MI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Northern Lights Community is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Northern Lights Community
- 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 Muskegon St Joseph financially healthy?
A 10.31% net worth ratio and a 1.90% delinquency rate feed into Muskegon St Joseph's financial health score of 58/100 (Fair), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #4,115 of 4,374; by total assets it ranks #3,392 of 4,374 nationally (same basis as /rankings/largest); and #165 of 171 within Michigan. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Muskegon St Joseph compare to other credit unions?
Muskegon St Joseph scores 58/100 on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (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 Muskegon St Joseph?
Muskegon St Joseph 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 St Joseph directly for the exact boundaries and application steps.
Is my money safe at Muskegon St Joseph?
Federal credit unions like Muskegon St Joseph 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. Muskegon St Joseph's net worth ratio of 10.31% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Muskegon St Joseph offer compared to banks?
Credit unions like Muskegon St Joseph 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 Muskegon St Joseph 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.