Federal credit union · Auburn Hills, Michigan · NCUA charter #21686
PARDA
Health score 83/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 83
- Health / 100
- $210.5M
- Total assets
- 14,730
- Members
- 13.6%
- Net-worth ratio
PARDA scores 83/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $210.5M; members 14,730; net-worth ratio 13.63%; health rank #2,257 of 4,374; healthier than 46th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#2,257 of 4,374 health · 2025Q4PARDA · health 83/100 · $210.5M · 2025Q4
Call Report peers
PARDA in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
PARDA vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); PARDA sits in 80-84 with 767 others.
83 46th percentile higher than 46% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Peer-gap read for PARDA
- Strongest edge vs 1069 $100M–$500M peers is Net Worth Ratio: +1.52 pp (13.63% vs 12.11%).
- Loan-to-Share Ratio trails the peer set - 61.87% here, 72.20% peer average (-10.33 pp).
PARDA: in-state Call Report ranks
- In Michigan, health place is #113 of 171 on the same NCUA-ratio sort used nationally.
- Michigan assets place: #77 of 171.
- Member book place in Michigan: #81 of 171.
- One place up in Michigan, South Central (#112) ties at 83/100; one place down, POLISH-AMERICAN (#114) ties at 83/100.
PARDA Call Report trajectory
PARDA: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.0% from $210.5M (2025Q4) to $216.8M (2026Q1).
- Net-worth ratio shifted -0.36 pp (13.99% → 13.63%).
13.63% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 83/100 score is built
PARDA gives up 17 points in total. Member Growth costs the most, 11.9 of its 15; Net Worth Ratio scores full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 24.3 pts
- Return on Assets 13.0 pts
- Member Growth 3.1 pts
- Loan-to-Share Ratio 12.6 pts
PARDA vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.63% | +1.52 pp |
| Delinquency Rate | 0.57% | -0.32 pp |
| Return on Assets | 0.36% | -0.26 pp |
| Member Growth | -3.29% | - |
| Loan-to-Share Ratio | 61.87% | -10.33 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $216.8M | - |
| 2025Q4 | $210.5M | 14,730 |
| 2024Q4 | $207.2M | 15,231 |
| 2023Q4 | $213.7M | 15,004 |
Credit Union Details
- Charter Number
- 21686
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Michigan
- City
- Auburn Hills
- Data Quarter
- 2025Q4
Branch Locations (7)
PARDA operates 7 offices across 6 cities, spanning 3 states, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| PARDA Federal Credit Union (Main Office) | Auburn Hills, MI |
| PARDA Federal Credit Union | Eastpointe, MI |
| PARDA Federal Credit Union | Greenwood, SC |
| PARDA Federal Credit Union | Holland, MI |
| PARDA Federal Credit Union | Holland, MI |
| PARDA Federal Credit Union | Loves Park, IL |
| Parda Credit Union | Ypsilanti, 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.
Cross-state Call Report peers for PARDA
Using this data
- PARDA ranks #2,257 of 4,374 nationally on financial health and #113 of 171 in MI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Michigan Legacy is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Michigan Legacy
Frequently Asked Questions
Is PARDA financially healthy?
PARDA has a financial health score of 83/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,257 of 4,374 nationally on health and #113 of 171 in Michigan. Its net worth ratio is 13.63% and its delinquency rate 0.57%.
How does PARDA compare to other credit unions?
PARDA scores 83/100, higher than 46% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is net worth ratio (13.63% vs 12.11%). Its widest shortfall is loan-to-share ratio (61.87% vs 72.20%).
How can I join PARDA?
PARDA 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 PARDA directly for the exact boundaries and application steps.
Is my money safe at PARDA?
PARDA 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. PARDA's net worth ratio of 13.63% 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.