Federal credit union · MUSKEGON, Michigan · NCUA charter #8141
Muskegon St Joseph
Health score 58/100 (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 58
- Health / 100
- $13.4M
- Total assets
- 1,323
- Members
- 9.9%
- Net-worth ratio
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.
Muskegon St Joseph - Five Health Pillars
Below, five 0-100 sub-scores, one per pillar of the composite. Weight and sum them and the result matches the headline health score above exactly - same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)53
- Earnings (ROA)0
- Member growth0
- Liquidity (loan-to-share)100
Weighted composite: 58/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 9.94%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 9.94% | 30% |
| Delinquency Rate | 1.90% | 25% |
| Return on Assets | -0.71% | 15% |
| Member Growth | -8.63% | 15% |
| Loan-to-Share Ratio | 69.89% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Muskegon St Joseph
Headquartered in MUSKEGON, Michigan, Muskegon St Joseph is a federal credit union with 1,323 members, $13.4M in total assets, and $8.4M in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 58/100 (Fair), driven in part by a net worth ratio of 9.94% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #8141 and reports within peer group $10M–$50M, a cohort of 1163 similarly-sized institutions.
Loan book quality rounds out the picture. The delinquency rate of 1.90% measures loans 60+ days past due against total loans outstanding - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running looser than peers. The loan-to-share ratio of 69.89% indicates how aggressively member deposits are being deployed into lending, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at -0.71% on net income of $-94964 for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -8.63%. All of the above reflects the 2025Q4 quarterly NCUA 5300 Call Report. Who can join depends on the field of membership (currently: Community); our disclaimer covers NCUSIF deposit-insurance coverage and how to use this data responsibly.
Nearby Credit Unions in Michigan
Other federally-insured credit unions in Michigan, closest first by peer group and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Muskegon St Joseph financially healthy?
A 9.94% 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. 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 9.94% 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.
Read our methodology - how this data is sourced, computed, and verified.
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.