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
- BOOK 88/100
- CHARTER 8.8%
- NCUSIF 1.00%
- CAMELS 0.21%
- HEALTH $352.5M
- NW 17,730
- DELQ #1,522/4,374
- ROA MONTANA
- ASSETS 4291
Call Report peers
PENINSULA in the assets neighbourhood
PENINSULA's $352.5M assets sit next to MONTANA ($351.8M) 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.
PENINSULA 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
88 Top 35% higher than 65% 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
PENINSULA - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #4291. See our deposit-insurance coverage note.
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).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for MI only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
PENINSULA Call Report trajectory
PENINSULA: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.8% from $352.5M (2025Q4) to $358.8M (2026Q1).
- Net-worth ratio shifted -0.02 pp (8.87% → 8.85%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 88.
- 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 |
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).
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
Cross-state asset and health neighbours for PENINSULA - kept outside Michigan; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($352.5M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (88/100 here).
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
- 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 PENINSULA financially healthy?
Yes/no aside, the number is 88/100 (Excellent) - PENINSULA's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,522 of 4,374; by total assets it ranks #941 of 4,374 nationally (same basis as /rankings/largest); and #57 of 171 within Michigan. Above 80 reads excellent, below 50 warrants closer monitoring; a 8.85% net worth ratio and 1.00% delinquency rate are the key drivers.
How does PENINSULA compare to other credit unions?
88/100 is PENINSULA's score on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 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?
Federal credit unions like PENINSULA 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. PENINSULA's net worth ratio of 8.85% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does PENINSULA offer compared to banks?
Credit unions like PENINSULA 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 PENINSULA 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.