State credit union · Royal Oak, Michigan · NCUA charter #62028
OUR
Health score 90/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 90
- Health / 100
- $360.4M
- Total assets
- 23,626
- Members
- 9.9%
- Net-worth ratio
OUR scores 90/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $360.4M; members 23,626; net-worth ratio 9.94%; health rank #1,151 of 4,374; healthier than 73rd of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#1,151 of 4,374 health · 2025Q4OUR · health 90/100 · $360.4M · 2025Q4
Call Report peers
OUR in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
OUR vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); OUR sits in 90-94 with 747 others.
90 Top 27% higher than 73% 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
Peer-gap read for OUR
- Delinquency Rate leads the peer set - 0.56% here, 0.89% peer average (-0.33 pp).
- Largest lag: Loan-to-Share Ratio at 66.62% vs peer 72.20% (-5.58 pp).
OUR in Michigan
- In Michigan, health place is #49 of 171 on the same NCUA-ratio sort used nationally.
- By total assets, OUR is #56 of 171 in Michigan.
- Membership ranks #55 of 171 among Michigan CUs with a reported count (23,626 members).
- One place up in Michigan, Service 1 (#48) ties at 90/100; one place down, CONSUMERS (#50) ties at 90/100.
How OUR's 5300 filing moved
OUR: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.6% from $360.4M (2025Q4) to $369.8M (2026Q1).
- Net-worth ratio shifted -0.12 pp (10.06% → 9.94%).
At 9.94%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 90/100 score is built
OUR gives up 10 points in total. Member Growth costs the most, 5.9 of its 15; Net Worth Ratio loses the least, 0.2.
- Net Worth Ratio 29.9 pts
- Delinquency Rate 24.4 pts
- Return on Assets 12.8 pts
- Member Growth 9.1 pts
- Loan-to-Share Ratio 13.8 pts
OUR health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.94% | -2.17 pp |
| Delinquency Rate | 0.56% | -0.33 pp |
| Return on Assets | 0.35% | -0.27 pp |
| Member Growth | 0.05% | - |
| Loan-to-Share Ratio | 66.62% | -5.58 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Call Report history - OUR
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $369.8M | - |
| 2025Q4 | $360.4M | 23,626 |
| 2024Q4 | $357.8M | 23,614 |
| 2023Q4 | $364.5M | 23,930 |
Credit Union Details
- Charter Number
- 62028
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Michigan
- City
- Royal Oak
- Data Quarter
- 2025Q4
Branch Locations (6)
OUR operates 6 offices across 4 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Normandy Office (Main Office) | Royal Oak, MI |
| Washington Office | Royal Oak, MI |
| Shelby Township Office | Shelby Township, MI |
| Rochester Rd | Troy, MI |
| Admin Site | Troy, MI |
| 12 Mile Road Office | Warren, 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.
OUR nationwide neighbourhoods
Using this data
- OUR ranks #1,151 of 4,374 nationally on financial health and #49 of 171 in MI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Marshall Community is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Marshall Community
Frequently Asked Questions
Is OUR financially healthy?
On its 2025Q4 NCUA 5300 filing, OUR scores 90/100 (Excellent), with a 9.94% net worth ratio and 0.56% of loans delinquent. It ranks #1,151 of 4,374 nationally on health and #49 of 171 in Michigan.
How does OUR compare to other credit unions?
OUR scores 90/100, higher than 73% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is delinquency rate (0.56% vs 0.89%). Its widest shortfall is loan-to-share ratio (66.62% vs 72.20%).
How can I join OUR?
Membership eligibility for OUR depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact OUR directly for current membership requirements and application steps.
Is my money safe at OUR?
OUR is a state-chartered 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. OUR's net worth ratio of 9.94% 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.