Federal credit union · Escanaba, Michigan · NCUA charter #4291
PENINSULA
Health score 88/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 88
- Health / 100
- $352.5M
- Total assets
- 17,730
- Members
- 8.8%
- Net-worth ratio
PENINSULA scores 88/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $352.5M; members 17,730; net-worth ratio 8.85%; health rank #1,522 of 4,374; healthier than 65th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#1,522 of 4,374 health · 2025Q4PENINSULA · health 88/100 · $352.5M · 2025Q4
Call Report peers
PENINSULA in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
PENINSULA vs every NCUA-scored credit union
PENINSULA sits in the busiest band, 85-89, alongside 857 other credit unions.
88 Top 35% higher than 65% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Where PENINSULA diverges from peer averages
- Strongest edge vs 1069 $100M–$500M peers is Loan-to-Share Ratio: +17.31 pp (89.51% vs 72.20%).
- Net Worth Ratio trails the peer set - 8.85% here, 12.11% peer average (-3.26 pp).
PENINSULA in Michigan
- Health composite ranks #72 of 171 among scored Michigan credit unions.
- By total assets, PENINSULA is #57 of 171 in Michigan.
- Member book place in Michigan: #72 of 171.
- One place up in Michigan, Chief Financial (#71) ties at 88/100; one place down, ELGA (#73) scores 87/100, 1 point lower.
PENINSULA Call Report trajectory
PENINSULA: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.8% from $352.5M (2025Q4) to $358.8M (2026Q1).
- Net-worth ratio shifted -0.02 pp (8.87% → 8.85%).
This credit union's 8.85% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 88/100 score is built
PENINSULA gives up 12 points in total. Delinquency Rate costs the most, 5 of its 25; Member Growth and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 27.1 pts
- Delinquency Rate 20.0 pts
- Return on Assets 10.6 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 15.3 pts
Call Report ratios for PENINSULA
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.85% | -3.26 pp |
| Delinquency Rate | 1.00% | +0.11 pp |
| Return on Assets | 0.21% | -0.42 pp |
| Member Growth | 13.98% | - |
| Loan-to-Share Ratio | 89.51% | +17.31 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
PENINSULA filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $358.8M | - |
| 2025Q4 | $352.5M | 17,730 |
| 2024Q4 | $328.9M | 15,555 |
| 2023Q4 | $303.2M | 15,003 |
Credit Union Details
- Charter Number
- 4291
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Michigan
- City
- Escanaba
- Data Quarter
- 2025Q4
Branch Locations (4)
Per its most recent NCUA branch filing, PENINSULA runs 4 offices in 3 different cities.
| Office | City |
|---|---|
| Main Office (Main Office) | Escanaba, MI |
| Mill Location | Escanaba, MI |
| Laurium Office | Laurium, MI |
| Menominee Office | Menominee, 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.
Cross-state Call Report peers for PENINSULA
Using this data
- PENINSULA ranks #1,522 of 4,374 nationally on financial health and #72 of 171 in MI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- OUR is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with OUR
Frequently Asked Questions
Is PENINSULA financially healthy?
On its 2025Q4 NCUA 5300 filing, PENINSULA scores 88/100 (Excellent), with a 8.85% net worth ratio and 1.00% of loans delinquent. It ranks #1,522 of 4,374 nationally on health and #72 of 171 in Michigan.
How does PENINSULA compare to other credit unions?
PENINSULA scores 88/100, higher than 65% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (89.51% vs 72.20%). Its widest shortfall is net worth ratio (8.85% vs 12.11%).
How can I join PENINSULA?
PENINSULA 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 PENINSULA directly for the exact boundaries and application steps.
Is my money safe at PENINSULA?
PENINSULA 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. PENINSULA's net worth ratio of 8.85% 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.