State credit union · Portland, Michigan · NCUA charter #68690
PFCU
Health score 96/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 96
- Health / 100
- $834.9M
- Total assets
- 57,035
- Members
- 11.1%
- Net-worth ratio
PFCU scores 96/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $834.9M; members 57,035; net-worth ratio 11.12%; health rank #272 of 4,374; healthier than 93rd of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#272 of 4,374 health · 2025Q4PFCU · health 96/100 · $834.9M · 2025Q4
- DELQ 96/100
- ROA 11.1%
- ASSETS 0.59%
- MEM 0.64%
- RANK $834.9M
- PHOTO 57,035
- BOOK #272/4,374
- CHARTER SOLARITY
- NCUSIF 68690
Call Report peers
PFCU in the assets neighbourhood
PFCU's $834.9M assets sit next to SOLARITY ($834.1M) 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.
PFCU 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
96 Top 7% higher than 93% 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
PFCU - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #68690, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
PFCU vs Over $500M peers
- Delinquency Rate leads the peer set - 0.59% here, 0.87% peer average (-0.28 pp).
- Loan-to-Share Ratio trails the peer set - 74.97% here, 83.90% peer average (-8.93 pp).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where PFCU sits in Michigan
- Michigan health ordinal: #4 of 171.
- Assets rank #34 of 171 inside Michigan ($834.9M reported).
- Member book place in Michigan: #29 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.
PFCU: 2025Q4 → 2026Q1
PFCU: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.9% from $834.9M (2025Q4) to $858.9M (2026Q1).
- Net-worth ratio shifted -0.08 pp (11.20% → 11.12%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 11.12%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 96/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 96.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 24.1 pts
- Return on Assets 15.0 pts
- Member Growth 11.7 pts
- Loan-to-Share Ratio 15.2 pts
Call Report ratios for PFCU
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.12% | -0.06 pp |
| Delinquency Rate | 0.59% | -0.28 pp |
| Return on Assets | 0.64% | +0.13 pp |
| Member Growth | 2.25% | - |
| Loan-to-Share Ratio | 74.97% | -8.93 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 | $858.9M | - |
| 2025Q4 | $834.9M | 57,035 |
| 2024Q4 | $817.1M | 55,780 |
| 2023Q4 | $803.3M | 55,449 |
Credit Union Details
- Charter Number
- 68690
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Michigan
- City
- Portland
- Data Quarter
- 2025Q4
Branch Locations (13)
The NCUA branch filing lists 13 physical offices for PFCU, spread across 12 cities.
| Office | City |
|---|---|
| Portland Office (Main Office) | Portland, MI |
| Caledonia Office | Caledonia, MI |
| Durand Office | Durand, MI |
| Genesee Valley Office | Flint, MI |
| VanSlyke Office | Flint, MI |
| Ionia Office | Ionia, MI |
| Lake Odessa Office | Lake Odessa, MI |
| Lansing Office | Lansing, MI |
| Lowell Office | Lowell, MI |
| Owosso Office | Owosso, MI |
| Perry Office | Perry, MI |
| Swartz Creek Office | Swartz Creek, MI |
| Westphalia Office | Westphalia, 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.
Nationwide credit unions with similar profiles
PFCU's nationwide photo peers by assets and by health score, excluding Michigan charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($834.9M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (96/100 here).
Using this data
- PFCU ranks #272 of 4,374 nationally on financial health and #4 of 171 in MI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- ZEAL is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with ZEAL
- 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 PFCU financially healthy?
PFCU has a financial health score of 96/100 (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 #272 of 4,374; by total assets it ranks #536 of 4,374 nationally (same basis as /rankings/largest); and #34 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 11.12% and delinquency rate of 0.59%.
How does PFCU compare to other credit unions?
PlainCU's health composite puts PFCU at 96/100, 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 PFCU?
Membership eligibility for PFCU depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact PFCU directly for current membership requirements and application steps.
Is my money safe at PFCU?
Federal credit unions like PFCU 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. PFCU's net worth ratio of 11.12% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does PFCU offer compared to banks?
Credit unions like PFCU 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 PFCU 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.