Federal credit union · West Bloomfield, Michigan · NCUA charter #7628

Southeast Michigan State Employees

Health score 53/100 (Fair) - from the NCUA 5300 Call Report, 2025Q4.

53
Health / 100
$51.1M
Total assets
3,222
Members
11.3%
Net-worth ratio

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.

NCUSIF coverage gauge for Southeast Michigan State Employees Share insurance under NCUSIF covers up to $250,000 per share owner. Southeast Michigan State Employees holds approximately $45.4M in member shares. Composite CAMELS rating bracket 3 (Fair). Risk-based capital ratio 11.3 percent. Share Insurance Coverage Federal NCUSIF - $250K per share owner 1 2 3 4 5 CAMELS 3 · Fair RBC ratio 11.3% · $45.4M member shares Insured · backed by full faith and credit of the United States
Source: NCUA 5300 Call Report 2025Q4 - share insurance under Title II of the Federal Credit Union Act

Southeast Michigan State Employees - 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) 11.34% 30% weight
  • Asset quality (delinquency) 3.89% 25% weight
  • Earnings (ROA) 0.69% 15% weight
  • Member growth -6.72% 15% weight
  • Liquidity (loan-to-share) 18% 15% weight

Weighted composite: 53/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.

Source: NCUA 5300 Call Report, sub-scores per PlainCU methodology (see the methodology guide)
Net worth ratio vs. NCUA well-capitalized threshold 75.6%

11.34% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).

$51.1M
Total Assets
3,222
Members
$8.2M
Total Loans
$45.4M
Total Deposits

Financial Health Metrics

Metric Value Weight
Net Worth Ratio 11.34% 30%
Delinquency Rate 3.89% 25%
Return on Assets 0.69% 15%
Member Growth -6.72% 15%
Loan-to-Share Ratio 18.10% 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 $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

What This Data Says About Southeast Michigan State Employees

Charter #7628, peer group $50M–$100M, a cohort of 584 similarly-sized institutions: that's Southeast Michigan State Employees, a federal credit union in West Bloomfield, Michigan with 3,222 members, $51.1M in total assets, and $8.2M in outstanding loans as of Q4 2025. The five-factor composite scores it 53/100 (Fair), helped by a net worth ratio of 11.34% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules.

Deposits deployed into lending sit at a 18.10% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Loan quality, meanwhile, shows 3.89% 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 0.69% on net income of $354K 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 -6.72%. These figures come from the 2025Q4 NCUA 5300 Call Report, filed on a quarterly cadence. The stated field of membership (currently: Low Income) governs who can join. Before opening an account or borrowing, see our disclaimer for NCUSIF deposit-insurance coverage and how to use this data.

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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 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 this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 11.34% 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 11.34% 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.

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.