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
Call Report peers
Southeast Michigan State Employees in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); Southeast Michigan State Employees sits in 50-54 with 82 others.
53 3rd percentile higher than 3% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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).
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).
- One place up in Michigan, Muskegon St Joseph (#169) scores 58/100, 5 points higher; one place down, Michigan Coastal (#171) ties at 53/100.
How Southeast Michigan State Employees's 5300 filing moved
Southeast Michigan State Employees: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.8% from $51.1M (2025Q4) to $51.5M (2026Q1).
- Net-worth ratio shifted +0.20 pp (11.60% → 11.80%).
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
Southeast Michigan State Employees gives up 47 points in total. Delinquency Rate costs the most, 24.3 of its 25; Net Worth Ratio and Return on Assets score full marks.
- 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 |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is Southeast Michigan State Employees financially healthy?
Southeast Michigan State Employees has a financial health score of 53/100 (Fair) from its 2025Q4 NCUA 5300 Call Report. It ranks #4,224 of 4,374 nationally on health and #170 of 171 in Michigan. Its net worth ratio is 11.80% and its delinquency rate 3.89%.
How does Southeast Michigan State Employees compare to other credit unions?
Southeast Michigan State Employees scores 53/100, higher than 3% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is return on assets (0.69% vs 0.66%). Its widest shortfall is loan-to-share ratio (18.10% vs 62.60%).
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?
Southeast Michigan State Employees 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. Southeast Michigan State Employees's net worth ratio of 11.80% 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.