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
Call Report peers
Muskegon St Joseph in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); Muskegon St Joseph sits in 55-59 with 115 others.
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
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).
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.
- One place up in Michigan, First Area (#168) scores 61/100, 3 points higher; one place down, Southeast Michigan State Employees (#170) scores 53/100, 5 points lower.
How Muskegon St Joseph's 5300 filing moved
Muskegon St Joseph: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -2.8% from $13.4M (2025Q4) to $13.0M (2026Q1).
- Net-worth ratio shifted +0.37 pp (9.94% → 10.31%).
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
Muskegon St Joseph gives up 42 points in total. Return on Assets costs the most, 15 of its 15; Loan-to-Share Ratio and Net Worth Ratio score full marks.
- 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 |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
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
Similar total assets
Similar health score
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
Frequently Asked Questions
Is Muskegon St Joseph financially healthy?
On its 2025Q4 NCUA 5300 filing, Muskegon St Joseph scores 58/100 (Fair), with a 10.31% net worth ratio and 1.90% of loans delinquent. It ranks #4,115 of 4,374 nationally on health and #169 of 171 in Michigan.
How does Muskegon St Joseph compare to other credit unions?
Muskegon St Joseph scores 58/100, higher than 6% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (69.89% vs 59.80%). Its widest shortfall is net worth ratio (10.31% vs 14.86%).
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?
Muskegon St Joseph 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 St Joseph's net worth ratio of 10.31% 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.