Federal credit union · Trenton, Michigan · NCUA charter #8349
Shore to Shore Community
Health score 77/100 (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 - 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.
Shore to Shore Community - Five Health Pillars
The five bars below are this credit union's pillar-level 0-100 sub-scores. Sum the weighted pillars and you get the headline health score above - same NCUA 5300 data, no normalisation tricks applied.
- Capital (net worth ratio)100
- Asset quality (delinquency)70
- Earnings (ROA)100
- Member growth31
- Liquidity (loan-to-share)64
Weighted composite: 77/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 11.62%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 11.62% | 30% |
| Delinquency Rate | 1.34% | 25% |
| Return on Assets | 1.41% | 15% |
| Member Growth | -2.42% | 15% |
| Loan-to-Share Ratio | 40.08% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Shore to Shore Community
Shore to Shore Community is a federal credit union headquartered in Trenton, Michigan, serving 5,360 members with $81.9M in total assets and $28.8M in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 77/100 (Very Good), anchored by a net worth ratio of 11.62% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #8349 operates under peer group $50M–$100M, a cohort of 584 similarly-sized institutions.
Deposits deployed into lending sit at a 40.08% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Loan quality, meanwhile, shows 1.34% of the book 60+ days past due - the peer group average for $50M–$100M credit unions sits at 0.963%, so this institution is running looser than peers. Return on assets stands at 1.41% on net income of $1.2M for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -2.42%. The institution reports against the NCUA 5300 Call Report on a quarterly cadence; the figures above reflect the 2025Q4 reporting period. Membership eligibility depends on the stated field of membership (currently: Community). See our disclaimer for NCUSIF deposit-insurance coverage and how to use this data before opening any account or borrowing.
Nearby Credit Unions in Michigan
More federally-insured credit unions based in Michigan, ordered by peer group match and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Shore to Shore Community financially healthy?
A 11.62% 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. 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 11.62% 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.
Read our methodology - how this data is sourced, computed, and verified.
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.