State credit union · Battle Creek, Michigan · NCUA charter #60105
Omni Community
Health score 92/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 92
- Health / 100
- $629.0M
- Total assets
- 46,747
- Members
- 16.1%
- Net-worth ratio
Omni Community scores 92/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $629.0M; members 46,747; net-worth ratio 16.10%; health rank #742 of 4,374; healthier than 80th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#742 of 4,374 health · 2025Q4Omni Community · health 92/100 · $629.0M · 2025Q4
- CHARTER 92/100
- NCUSIF 16.1%
- CAMELS 0.78%
- HEALTH 1.40%
- NW $629.0M
- DELQ 46,747
- ROA #742/4,374
- ASSETS Our Community
- MEM 60105
Call Report peers
Omni Community in the assets neighbourhood
Omni Community's $629.0M assets sit next to Our Community ($630.2M) 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.
Omni Community 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
92 Top 20% higher than 80% 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
Omni Community - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #60105, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Where Omni Community diverges from peer averages
- Strongest edge vs 749 Over $500M peers is Net Worth Ratio: +4.92 pp (16.10% vs 11.18%).
- Widest shortfall vs peers is Loan-to-Share Ratio: -15.10 pp (68.80% vs 83.90%).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Omni Community: in-state Call Report ranks
- In Michigan, health place is #27 of 171 on the same NCUA-ratio sort used nationally.
- Assets rank #41 of 171 inside Michigan ($629.0M reported).
- Member book place in Michigan: #38 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.
Omni Community Call Report trajectory
Omni Community: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.7% from $629.0M (2025Q4) to $652.6M (2026Q1).
- Net-worth ratio shifted -0.18 pp (16.28% → 16.10%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 16.10% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 92/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 92.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 22.2 pts
- Return on Assets 15.0 pts
- Member Growth 10.3 pts
- Loan-to-Share Ratio 14.5 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 16.10% | +4.92 pp |
| Delinquency Rate | 0.78% | -0.10 pp |
| Return on Assets | 1.40% | +0.89 pp |
| Member Growth | 1.07% | - |
| Loan-to-Share Ratio | 68.80% | -15.10 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $652.6M | - |
| 2025Q4 | $629.0M | 46,747 |
| 2024Q4 | $578.8M | 46,250 |
| 2023Q4 | $589.7M | 45,102 |
Credit Union Details
- Charter Number
- 60105
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Michigan
- City
- Battle Creek
- Data Quarter
- 2025Q4
Branch Locations (12)
Per its most recent NCUA branch filing, Omni Community runs 12 offices in 9 different cities.
| Office | City |
|---|---|
| Capital (Main Office) | Battle Creek, MI |
| Roosevelt | Battle Creek, MI |
| Denso | Battle Creek, MI |
| Centreville | Centreville, MI |
| Colon | Colon, MI |
| Kalamazoo | Kalamazoo, MI |
| Milwood | Kalamazoo, MI |
| Paw Paw | Paw Paw, MI |
| Ft Custer | Springfield, MI |
| Strugis | Sturgis, MI |
| Three Rivers | Three Rivers, MI |
| White Pigeon | White Pigeon, 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.
Nationwide credit unions with similar profiles
Omni Community's nationwide photo peers by assets and by health score, excluding Michigan charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($629.0M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (92/100 here).
Using this data
- Omni Community ranks #742 of 4,374 nationally on financial health and #27 of 171 in MI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- ADVENTURE is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with ADVENTURE
- 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 Omni Community financially healthy?
Omni Community has a financial health score of 92/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #742 of 4,374; by total assets it ranks #664 of 4,374 nationally (same basis as /rankings/largest); and #41 of 171 within Michigan. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 16.10% and delinquency rate of 0.78%.
How does Omni Community compare to other credit unions?
PlainCU's health composite puts Omni Community at 92/100, compared to a peer group average for Over $500M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), 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 Omni Community?
Membership eligibility for Omni Community depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Omni Community directly for current membership requirements and application steps.
Is my money safe at Omni Community?
Federal credit unions like Omni Community 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. Omni Community's net worth ratio of 16.10% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Omni Community offer compared to banks?
Credit unions like Omni Community 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 Omni Community 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.