Federal credit union · West Bloomfield, Michigan · NCUA charter #7628
Southeast Michigan State Employees
Health score 53/100, grade D (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 53
- Health / 100
- $51.1M
- Total assets
- 3,222
- Members
- 11.8%
- Net-worth ratio
Southeast Michigan State Employees scores 53/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $51.1M; members 3,222; net-worth ratio 11.80%; health rank #4,224 of 4,374; healthier than 3rd of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#4,224 of 4,374 health · 2025Q4Southeast Michigan State · health 53/100 · $51.1M · 2025Q4
- ROA 53/100
- ASSETS 11.8%
- MEM 3.89%
- RANK 0.69%
- PHOTO $51.1M
- BOOK 3,222
- CHARTER #4,224/4,374
- NCUSIF Wv National Guard
- CAMELS 7628
Call Report peers
Southeast Michigan State Employees in the assets neighbourhood
Southeast Michigan State Employees's $51.1M assets sit next to Wv National Guard ($51.2M) 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.
Southeast Michigan State Employees 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
53 3rd percentile higher than 3% 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
Southeast Michigan State Employees - Share Insurance Coverage
Charter #7628's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Southeast Michigan State Employees vs $50M–$100M peers
- Largest favorable gap: Return on Assets at 0.69% vs peer 0.66% (+0.03 pp).
- Loan-to-Share Ratio trails the peer set - 18.10% here, 62.60% peer average (-44.50 pp).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Southeast Michigan State Employees sits in Michigan
- Health composite ranks #170 of 171 among scored Michigan credit unions.
- Michigan assets place: #135 of 171.
- Membership ranks #137 of 171 among Michigan CUs with a reported count (3,222 members).
In-state ordinals use the live credit_unions table for MI only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How Southeast Michigan State Employees's 5300 filing moved
Southeast Michigan State Employees: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.8% from $51.1M (2025Q4) to $51.5M (2026Q1).
- Net-worth ratio shifted +0.20 pp (11.60% → 11.80%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
11.80% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 53/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 53.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 0.7 pts
- Return on Assets 15.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 7.3 pts
Southeast Michigan State health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.80% | -1.82 pp |
| Delinquency Rate | 3.89% | +2.92 pp |
| Return on Assets | 0.69% | +0.03 pp |
| Member Growth | -6.72% | - |
| Loan-to-Share Ratio | 18.10% | -44.50 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).
Southeast Michigan State Employees quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $51.5M | - |
| 2025Q4 | $51.1M | 3,222 |
| 2024Q4 | $49.6M | 3,454 |
| 2023Q4 | $48.6M | 3,581 |
Credit Union Details
- Charter Number
- 7628
- Type
- Federal
- Field of Membership
- Low Income
- Peer Group
- $50M–$100M
- State
- Michigan
- City
- West Bloomfield
- Data Quarter
- 2025Q4
Branch Location
Southeast Michigan State Employees operates a single office in West Bloomfield, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Southeast Michigan State Employees Federal Credit Union (Main Office) | West Bloomfield, 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 Southeast Michigan State Employees
Two NCUA Call Report peer sets for Southeast Michigan State Employees, both outside Michigan so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($51.1M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (53/100 here).
Using this data
- Southeast Michigan State Employees ranks #4,224 of 4,374 nationally on financial health and #170 of 171 in MI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- AEROQUIP is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with AEROQUIP
- 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 Southeast Michigan State Employees financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Southeast Michigan State Employees carries a financial health score of 53/100 (Fair). On the national health ranking (same basis as /rankings/healthiest), it sits at #4,224 of 4,374; by total assets it ranks #2,385 of 4,374 nationally (same basis as /rankings/largest); and #135 of 171 within Michigan. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 11.80% net worth ratio and a 3.89% delinquency rate.
How does Southeast Michigan State Employees compare to other credit unions?
Five weighted metrics from NCUA filings produce Southeast Michigan State Employees's 53/100 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 Southeast Michigan State Employees?
Southeast Michigan State Employees carries an NCUA Low-Income Designation, which typically means anyone can join regardless of employer or location, and the credit union is eligible for supplemental capital and secondary capital rules not available to standard charters. Contact Southeast Michigan State Employees directly to confirm current membership steps.
Is my money safe at Southeast Michigan State Employees?
Federal credit unions like Southeast Michigan State Employees 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. Southeast Michigan State Employees's net worth ratio of 11.80% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Southeast Michigan State Employees offer compared to banks?
Credit unions like Southeast Michigan State Employees 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 Southeast Michigan State Employees 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.