Federal credit union · Muskegon, Michigan · NCUA charter #5982
Route 31
Health score 88/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 88
- Health / 100
- $97.8M
- Total assets
- 9,567
- Members
- 13.5%
- Net-worth ratio
Route 31 scores 88/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $97.8M; members 9,567; net-worth ratio 13.51%; health rank #1,440 of 4,374; healthier than 65th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#1,440 of 4,374 health · 2025Q4Route 31 · health 88/100 · $97.8M · 2025Q4
- RANK 88/100
- PHOTO 13.5%
- BOOK 0.48%
- CHARTER 0.91%
- NCUSIF $97.8M
- CAMELS 9,567
- HEALTH #1,440/4,374
- NW ATHOL
- DELQ 5982
Call Report peers
Route 31 in the assets neighbourhood
Route 31's $97.8M assets sit next to ATHOL ($97.7M) 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.
Route 31 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
88 Top 35% higher than 65% 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
Route 31 - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #5982 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Where Route 31 diverges from peer averages
- Strongest edge vs 584 $50M–$100M peers is Loan-to-Share Ratio: +13.52 pp (76.12% vs 62.60%).
- Net Worth Ratio trails the peer set - 13.51% here, 13.62% peer average (-0.11 pp).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Route 31: in-state Call Report ranks
- Michigan health ordinal: #65 of 171.
- By total assets, Route 31 is #113 of 171 in Michigan.
- Member book place in Michigan: #100 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.
Route 31: 2025Q4 → 2026Q1
Route 31: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.8% from $97.8M (2025Q4) to $101.5M (2026Q1).
- Net-worth ratio shifted -0.32 pp (13.83% → 13.51%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 13.51%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 88/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 88.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 2.7 pts
- Loan-to-Share Ratio 15.3 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.51% | -0.11 pp |
| Delinquency Rate | 0.48% | -0.48 pp |
| Return on Assets | 0.91% | +0.25 pp |
| Member Growth | -3.50% | - |
| Loan-to-Share Ratio | 76.12% | +13.52 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $101.5M | - |
| 2025Q4 | $97.8M | 9,567 |
| 2024Q4 | $95.9M | 9,914 |
| 2023Q4 | $90.9M | 9,789 |
Credit Union Details
- Charter Number
- 5982
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- Michigan
- City
- Muskegon
- Data Quarter
- 2025Q4
Branch Locations (2)
Route 31 operates 2 offices in Muskegon, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Terrace Main Office (Main Office) | Muskegon, MI |
| Laketon Avenue Branch | Muskegon, 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
Route 31's nationwide photo peers by assets and by health score, excluding Michigan charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($97.8M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (88/100 here).
Using this data
- Route 31 ranks #1,440 of 4,374 nationally on financial health and #65 of 171 in MI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- COMPASS is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with COMPASS
- 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 Route 31 financially healthy?
Route 31 scores 88/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,440 of 4,374; by total assets it ranks #1,839 of 4,374 nationally (same basis as /rankings/largest); and #113 of 171 within Michigan. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 13.51% net worth ratio and a 0.48% delinquency rate.
How does Route 31 compare to other credit unions?
PlainCU's health composite puts Route 31 at 88/100, compared to a peer group average for $50M–$100M 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 Route 31?
Route 31 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 Route 31 directly for the exact boundaries and application steps.
Is my money safe at Route 31?
Federal credit unions like Route 31 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. Route 31's net worth ratio of 13.51% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Route 31 offer compared to banks?
Credit unions like Route 31 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 Route 31 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.