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
Call Report peers
PFCU in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); PFCU sits in 95-99 with 391 others.
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 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).
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.
- One place up in Michigan, Lake Michigan (#3) scores 97/100, 1 point higher; one place down, Monroe Community (#5) ties at 96/100.
PFCU: 2025Q4 → 2026Q1
PFCU: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.9% from $834.9M (2025Q4) to $858.9M (2026Q1).
- Net-worth ratio shifted -0.08 pp (11.20% → 11.12%).
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
PFCU gives up 4 points in total. Member Growth costs the most, 3.3 of its 15; Net Worth Ratio and Return on Assets and Loan-to-Share Ratio score full marks.
- 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 |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is PFCU financially healthy?
PFCU has a financial health score of 96/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #272 of 4,374 nationally on health and #4 of 171 in Michigan. Its net worth ratio is 11.12% and its delinquency rate 0.59%.
How does PFCU compare to other credit unions?
PFCU scores 96/100, higher than 93% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is delinquency rate (0.59% vs 0.87%). Its widest shortfall is loan-to-share ratio (74.97% vs 83.90%).
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?
PFCU 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. PFCU's net worth ratio of 11.12% 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.