Federal credit union · Rock, Michigan · NCUA charter #21020
Rock Community
Health score 83/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 83
- Health / 100
- $8.8M
- Total assets
- 829
- Members
- 8.6%
- Net-worth ratio
Rock Community scores 83/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $8.8M; members 829; net-worth ratio 8.62%; health rank #2,349 of 4,374; healthier than 46th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#2,349 of 4,374 health · 2025Q4Rock Community · health 83/100 · $8.8M · 2025Q4
- RANK 83/100
- PHOTO 8.6%
- BOOK 0.04%
- CHARTER 0.66%
- NCUSIF $8.8M
- CAMELS 829
- HEALTH #2,349/4,374
- NW n/a
- DELQ 21020
Call Report peers
Rock Community carries $8.8M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Rock Community 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
83 46th percentile higher than 46% 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
Rock Community - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #21020: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Rock Community vs $2M–$10M peers
- Strongest edge vs 566 $2M–$10M peers is Delinquency Rate: -1.77 pp (0.04% vs 1.81%).
- Widest shortfall vs peers is Loan-to-Share Ratio: -26.71 pp (36.89% vs 63.60%).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Rock Community in Michigan
- Michigan health ordinal: #120 of 171.
- By total assets, Rock Community is #168 of 171 in Michigan.
- Michigan membership ordinal: #168 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.
Quarter path for Rock Community
Rock Community: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.9% from $8.8M (2025Q4) to $9.0M (2026Q1).
- Net-worth ratio shifted -0.09 pp (8.71% → 8.62%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 8.62% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 83/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 83.
- Net Worth Ratio 26.6 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 7.5 pts
- Loan-to-Share Ratio 8.9 pts
Rock Community health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.62% | -10.44 pp |
| Delinquency Rate | 0.04% | -1.77 pp |
| Return on Assets | 0.66% | +0.20 pp |
| Member Growth | -0.84% | - |
| Loan-to-Share Ratio | 36.89% | -26.71 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $9.0M | - |
| 2025Q4 | $8.8M | 829 |
| 2024Q4 | $8.4M | 836 |
| 2023Q4 | $8.2M | 837 |
Credit Union Details
- Charter Number
- 21020
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $2M–$10M
- State
- Michigan
- City
- Rock
- Data Quarter
- 2025Q4
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for Rock Community, spread across 2 cities.
| Office | City |
|---|---|
| Rock Community Federal Credit Union (Main Office) | Rock, MI |
| Fiserv | Flint, 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.
Cross-state Call Report peers for Rock Community
Two NCUA Call Report peer sets for Rock Community, both outside Michigan so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar health score
Nearest other-state credit unions by five-factor health composite (83/100 here).
Using this data
- Rock Community ranks #2,349 of 4,374 nationally on financial health and #120 of 171 in MI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- West Michigan Postal Service is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with West Michigan Postal Service
- 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 Rock Community financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Rock Community carries a financial health score of 83/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #2,349 of 4,374; by total assets it ranks #3,620 of 4,374 nationally (same basis as /rankings/largest); and #168 of 171 within Michigan. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 8.62% net worth ratio and a 0.04% delinquency rate.
How does Rock Community compare to other credit unions?
Five weighted metrics from NCUA filings produce Rock Community's 83/100 score on PlainCU's health composite, compared to a peer group average for $2M–$10M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 Rock Community?
Rock Community 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 Rock Community directly for the exact boundaries and application steps.
Is my money safe at Rock Community?
Federal credit unions like Rock Community 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. Rock Community's net worth ratio of 8.62% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Rock Community offer compared to banks?
Credit unions like Rock Community 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 Rock Community 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.