Federal credit union · MUSKEGON, Michigan · NCUA charter #5116
Port City
Health score 81/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 81
- Health / 100
- $41.8M
- Total assets
- 2,674
- Members
- 11.7%
- Net-worth ratio
Port City scores 81/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $41.8M; members 2,674; net-worth ratio 11.71%; health rank #2,599 of 4,374; healthier than 39th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#2,599 of 4,374 health · 2025Q4Port City · health 81/100 · $41.8M · 2025Q4
Call Report peers
Port City in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Port City vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Port City sits in 80-84 with 767 others.
81 39th percentile higher than 39% 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
Where Port City diverges from peer averages
- Strongest edge vs 1163 $10M–$50M peers is Delinquency Rate: -1.10 pp (0.05% vs 1.15%).
- Loan-to-Share Ratio trails the peer set - 40.47% here, 59.80% peer average (-19.33 pp).
Michigan standing for Port City
- Michigan health ordinal: #133 of 171.
- Michigan assets place: #141 of 171.
- Member book place in Michigan: #143 of 171.
- One place up in Michigan, Diversified Members (#132) ties at 81/100; one place down, North Central Area (#134) ties at 81/100.
Quarter path for Port City
Port City: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.5% from $41.8M (2025Q4) to $42.8M (2026Q1).
- Net-worth ratio shifted -0.19 pp (11.90% → 11.71%).
This credit union's 11.71% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 81/100 score is built
Port City gives up 19 points in total. Member Growth costs the most, 12.9 of its 15; Net Worth Ratio and Delinquency Rate score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 14.6 pts
- Member Growth 2.1 pts
- Loan-to-Share Ratio 9.3 pts
Call Report ratios for Port City
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.71% | -3.15 pp |
| Delinquency Rate | 0.05% | -1.10 pp |
| Return on Assets | 0.47% | -0.23 pp |
| Member Growth | -3.85% | - |
| Loan-to-Share Ratio | 40.47% | -19.33 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $42.8M | - |
| 2025Q4 | $41.8M | 2,674 |
| 2024Q4 | $39.8M | 2,781 |
| 2023Q4 | $39.3M | 2,812 |
Credit Union Details
- Charter Number
- 5116
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Michigan
- City
- MUSKEGON
- Data Quarter
- 2025Q4
Branch Location
Port City operates a single office in Muskegon, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Port City Federal Credit Union (Main Office) | Muskegon, 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 Port City
Using this data
- Port City ranks #2,599 of 4,374 nationally on financial health and #133 of 171 in MI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Auto-Owners Associates is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Auto-Owners Associates
Frequently Asked Questions
Is Port City financially healthy?
Port City has a financial health score of 81/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,599 of 4,374 nationally on health and #133 of 171 in Michigan. Its net worth ratio is 11.71% and its delinquency rate 0.05%.
How does Port City compare to other credit unions?
Port City scores 81/100, higher than 39% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is delinquency rate (0.05% vs 1.15%). Its widest shortfall is loan-to-share ratio (40.47% vs 59.80%).
How can I join Port City?
Port City 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 Port City directly for the exact boundaries and application steps.
Is my money safe at Port City?
Port City 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. Port City's net worth ratio of 11.71% 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.