Federal credit union · Trenton, Michigan · NCUA charter #8349
Shore to Shore Community
Health score 77/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 77
- Health / 100
- $81.9M
- Total assets
- 5,360
- Members
- 11.6%
- Net-worth ratio
Shore to Shore Community scores 77/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $81.9M; members 5,360; net-worth ratio 11.59%; health rank #3,106 of 4,374; healthier than 28th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#3,106 of 4,374 health · 2025Q4Shore to Shore Community · health 77/100 · $81.9M · 2025Q4
Call Report peers
Shore to Shore Community in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Shore to Shore Community vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Shore to Shore Community sits in 75-79 with 502 others.
77 28th percentile higher than 28% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Where Shore to Shore Community diverges from peer averages
- Largest favorable gap: Return on Assets at 1.41% vs peer 0.66% (+0.76 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -22.52 pp (40.08% vs 62.60%).
Michigan standing for Shore to Shore Community
- Health composite ranks #147 of 171 among scored Michigan credit unions.
- By total assets, Shore to Shore Community is #118 of 171 in Michigan.
- Member book place in Michigan: #121 of 171.
- One place up in Michigan, Wexford Community (#146) scores 78/100, 1 point higher; one place down, 4FRONT (#148) ties at 77/100.
Quarter path for Shore to Shore Community
Shore to Shore Community: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +4.0% from $81.9M (2025Q4) to $85.2M (2026Q1).
- Net-worth ratio shifted -0.07 pp (11.66% → 11.59%).
At 11.59%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 77/100 score is built
Shore to Shore Community gives up 23 points in total. Member Growth costs the most, 10.4 of its 15; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 17.4 pts
- Return on Assets 15.0 pts
- Member Growth 4.6 pts
- Loan-to-Share Ratio 10.0 pts
Shore to Shore Community health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.59% | -2.03 pp |
| Delinquency Rate | 1.34% | +0.38 pp |
| Return on Assets | 1.41% | +0.76 pp |
| Member Growth | -2.42% | - |
| Loan-to-Share Ratio | 40.08% | -22.52 pp |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
Call Report history - Shore to Shore Community
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $85.2M | - |
| 2025Q4 | $81.9M | 5,360 |
| 2024Q4 | $81.7M | 5,493 |
| 2023Q4 | $79.3M | 5,637 |
Credit Union Details
- Charter Number
- 8349
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- Michigan
- City
- Trenton
- Data Quarter
- 2025Q4
Branch Locations (2)
Shore to Shore Community operates 2 offices across 2 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Main Office (Main Office) | Trenton, MI |
| Woodhaven Office | Woodhaven, MI |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Michigan
More federally-insured credit unions based in Michigan, ordered by peer group match and asset size.
Other-state peers near Shore to Shore Community
Similar total assets
Similar health score
Using this data
- Shore to Shore Community ranks #3,106 of 4,374 nationally on financial health and #147 of 171 in MI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Lake Huron is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Lake Huron
Frequently Asked Questions
Is Shore to Shore Community financially healthy?
Shore to Shore Community has a financial health score of 77/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,106 of 4,374 nationally on health and #147 of 171 in Michigan. Its net worth ratio is 11.59% and its delinquency rate 1.34%.
How does Shore to Shore Community compare to other credit unions?
Shore to Shore Community scores 77/100, higher than 28% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is return on assets (1.41% vs 0.66%). Its widest shortfall is loan-to-share ratio (40.08% vs 62.60%).
How can I join Shore to Shore Community?
Shore to Shore 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 Shore to Shore Community directly for the exact boundaries and application steps.
Is my money safe at Shore to Shore Community?
Shore to Shore Community 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. Shore to Shore Community's net worth ratio of 11.59% 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.