State credit union · Houghton Lake, Michigan · NCUA charter #61953
North Central Area
Health score 81/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 81
- Health / 100
- $260.8M
- Total assets
- 20,029
- Members
- 11.3%
- Net-worth ratio
North Central Area scores 81/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $260.8M; members 20,029; net-worth ratio 11.31%; health rank #2,609 of 4,374; healthier than 39th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#2,609 of 4,374 health · 2025Q4North Central Area · health 81/100 · $260.8M · 2025Q4
- CAMELS 81/100
- HEALTH 11.3%
- NW 1.58%
- DELQ 1.15%
- ROA $260.8M
- ASSETS 20,029
- MEM #2,609/4,374
- RANK Blue Eagle
- PHOTO 61953
Call Report peers
North Central Area in the assets neighbourhood
North Central Area's $260.8M assets sit next to Blue Eagle ($260.7M) 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.
North Central Area 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
81 39th percentile higher than 39% 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
North Central Area - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #61953 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Where North Central Area diverges from peer averages
- Largest favorable gap: Loan-to-Share Ratio at 79.97% vs peer 72.20% (+7.77 pp).
- Net Worth Ratio trails the peer set - 11.31% here, 12.11% peer average (-0.80 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
North Central Area in Michigan
- Michigan health ordinal: #134 of 171.
- Assets rank #67 of 171 inside Michigan ($260.8M reported).
- Membership ranks #64 of 171 among Michigan CUs with a reported count (20,029 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 North Central Area
North Central Area: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.3% from $260.8M (2025Q4) to $269.4M (2026Q1).
- Net-worth ratio shifted +0.06 pp (11.25% → 11.31%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 11.31% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 81/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 81.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 15.7 pts
- Return on Assets 15.0 pts
- Member Growth 4.9 pts
- Loan-to-Share Ratio 15.4 pts
North Central Area vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.31% | -0.80 pp |
| Delinquency Rate | 1.58% | +0.69 pp |
| Return on Assets | 1.15% | +0.53 pp |
| Member Growth | -2.28% | - |
| Loan-to-Share Ratio | 79.97% | +7.77 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
North Central Area quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $269.4M | - |
| 2025Q4 | $260.8M | 20,029 |
| 2024Q4 | $241.7M | 20,496 |
| 2023Q4 | $223.7M | 19,838 |
Credit Union Details
- Charter Number
- 61953
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Michigan
- City
- Houghton Lake
- Data Quarter
- 2025Q4
Branch Locations (7)
North Central Area operates 7 offices across 6 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Administration Building (Main Office) | Houghton Lake, MI |
| Grandville Branch | Grandville, MI |
| Grayling Branch | Grayling, MI |
| Houghton Lake Branch | Houghton Lake, MI |
| Kalamazoo Branch | Kalamazoo, MI |
| Roscommon Branch | Roscommon, MI |
| Standish Branch | Standish, MI |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Michigan
More federally-insured credit unions based in Michigan, ordered by peer group match and asset size.
Nationwide credit unions with similar profiles
Two NCUA Call Report peer sets for North Central Area, both outside Michigan so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($260.8M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (81/100 here).
Using this data
- North Central Area ranks #2,609 of 4,374 nationally on financial health and #134 of 171 in MI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- St. Francis X is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with St. Francis X
- 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 North Central Area financially healthy?
A 11.31% net worth ratio and a 1.58% delinquency rate feed into North Central Area's financial health score of 81/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,609 of 4,374; by total assets it ranks #1,110 of 4,374 nationally (same basis as /rankings/largest); and #67 of 171 within Michigan. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does North Central Area compare to other credit unions?
On PlainCU's health composite, North Central Area lands at 81/100, compared to a peer group average for $100M–$500M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 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 North Central Area?
Membership eligibility for North Central Area depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact North Central Area directly for current membership requirements and application steps.
Is my money safe at North Central Area?
Federal credit unions like North Central Area 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. North Central Area's net worth ratio of 11.31% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does North Central Area offer compared to banks?
Credit unions like North Central Area 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 North Central Area 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.