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
- CAMELS 77/100
- HEALTH 11.6%
- NW 1.34%
- DELQ 1.41%
- ROA $81.9M
- ASSETS 5,360
- MEM #3,106/4,374
- RANK Harvester Financial
- PHOTO 8349
Call Report peers
Shore to Shore Community in the assets neighbourhood
Shore to Shore Community's $81.9M assets sit next to Harvester Financial ($81.9M) 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.
Shore to Shore 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
77 28th percentile higher than 28% 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
Shore to Shore Community - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #8349: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
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%).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
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 Shore to Shore Community
Shore to Shore Community: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +4.0% from $81.9M (2025Q4) to $85.2M (2026Q1).
- Net-worth ratio shifted -0.07 pp (11.66% → 11.59%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 77.
- 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 |
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).
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
Cross-state asset and health neighbours for Shore to Shore Community - kept outside Michigan; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($81.9M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (77/100 here).
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
- 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 Shore to Shore Community financially healthy?
A 11.59% net worth ratio and a 1.34% delinquency rate feed into Shore to Shore Community's financial health score of 77/100 (Very Good), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,106 of 4,374; by total assets it ranks #1,996 of 4,374 nationally (same basis as /rankings/largest); and #118 of 171 within Michigan. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Shore to Shore Community compare to other credit unions?
Five weighted metrics from NCUA filings produce Shore to Shore Community's 77/100 score on PlainCU's health composite, compared to a peer group average for $50M–$100M 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 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?
Federal credit unions like Shore to Shore 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. Shore to Shore Community's net worth ratio of 11.59% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Shore to Shore Community offer compared to banks?
Credit unions like Shore to Shore 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 Shore to Shore 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.