Federal credit union · Troy, Michigan · NCUA charter #22280
POLISH-AMERICAN
Health score 83/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 83
- Health / 100
- $182.6M
- Total assets
- 7,384
- Members
- 13.0%
- Net-worth ratio
POLISH-AMERICAN scores 83/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $182.6M; members 7,384; net-worth ratio 12.95%; health rank #2,271 of 4,374; healthier than 46th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#2,271 of 4,374 health · 2025Q4POLISH-AMERICAN · health 83/100 · $182.6M · 2025Q4
Call Report peers
POLISH-AMERICAN in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
POLISH-AMERICAN vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); POLISH-AMERICAN 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
POLISH-AMERICAN vs $100M–$500M peers
- Largest favorable gap: Loan-to-Share Ratio at 78.80% vs peer 72.20% (+6.60 pp).
- Widest shortfall vs peers is Delinquency Rate: +1.28 pp (2.17% vs 0.89%).
POLISH-AMERICAN in Michigan
- Michigan health ordinal: #114 of 171.
- By total assets, POLISH-AMERICAN is #85 of 171 in Michigan.
- Membership ranks #111 of 171 among Michigan CUs with a reported count (7,384 members).
- One place up in Michigan, PARDA (#113) ties at 83/100; one place down, U.P. State (#115) ties at 83/100.
POLISH-AMERICAN: 2025Q4 → 2026Q1
POLISH-AMERICAN: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.1% from $182.6M (2025Q4) to $188.2M (2026Q1).
- Net-worth ratio shifted -0.06 pp (13.01% → 12.95%).
At 12.95%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 83/100 score is built
POLISH-AMERICAN gives up 17 points in total. Delinquency Rate costs the most, 13.6 of its 25; Net Worth Ratio and Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 11.4 pts
- Return on Assets 15.0 pts
- Member Growth 11.1 pts
- Loan-to-Share Ratio 15.5 pts
POLISH-AMERICAN health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.95% | +0.84 pp |
| Delinquency Rate | 2.17% | +1.28 pp |
| Return on Assets | 1.14% | +0.51 pp |
| Member Growth | 1.74% | - |
| Loan-to-Share Ratio | 78.80% | +6.60 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $188.2M | - |
| 2025Q4 | $182.6M | 7,384 |
| 2024Q4 | $172.1M | 7,258 |
| 2023Q4 | $167.5M | 7,107 |
Credit Union Details
- Charter Number
- 22280
- Type
- Federal
- Field of Membership
- Other/Community
- Peer Group
- $100M–$500M
- State
- Michigan
- City
- Troy
- Data Quarter
- 2025Q4
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for POLISH-AMERICAN, spread across 2 cities.
| Office | City |
|---|---|
| Troy (Main Office) | Troy, MI |
| Hamtramck | Hamtramck, MI |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Michigan
A look at other Michigan credit unions, ranked by how closely their peer group and asset size match this one.
Other-state peers near POLISH-AMERICAN
Similar total assets
Using this data
- POLISH-AMERICAN ranks #2,271 of 4,374 nationally on financial health and #114 of 171 in MI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Safe Harbor is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Safe Harbor
Frequently Asked Questions
Is POLISH-AMERICAN financially healthy?
On its 2025Q4 NCUA 5300 filing, POLISH-AMERICAN scores 83/100 (Excellent), with a 12.95% net worth ratio and 2.17% of loans delinquent. It ranks #2,271 of 4,374 nationally on health and #114 of 171 in Michigan.
How does POLISH-AMERICAN compare to other credit unions?
POLISH-AMERICAN 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 loan-to-share ratio (78.80% vs 72.20%). Its widest shortfall is delinquency rate (2.17% vs 0.89%).
How can I join POLISH-AMERICAN?
POLISH-AMERICAN 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 POLISH-AMERICAN directly for the exact boundaries and application steps.
Is my money safe at POLISH-AMERICAN?
POLISH-AMERICAN 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. POLISH-AMERICAN's net worth ratio of 12.95% 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.