State credit union · Newberry, Michigan · NCUA charter #60423
Tahquamenon Area
Health score 69/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 69
- Health / 100
- $67.5M
- Total assets
- 4,634
- Members
- 12.2%
- Net-worth ratio
Tahquamenon Area scores 69/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $67.5M; members 4,634; net-worth ratio 12.15%; health rank #3,651 of 4,374; healthier than 16th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#3,651 of 4,374 health · 2025Q4Tahquamenon Area · health 69/100 · $67.5M · 2025Q4
- BOOK 69/100
- CHARTER 12.2%
- NCUSIF 0.98%
- CAMELS 0.12%
- HEALTH $67.5M
- NW 4,634
- DELQ #3,651/4,374
- ROA ACCESS
- ASSETS 60423
Tahquamenon Area in the assets neighbourhood
Tahquamenon Area's $67.5M assets sit next to ACCESS ($67.5M) 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.
Tahquamenon Area 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
69 16th percentile higher than 16% 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
Tahquamenon Area - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #60423: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Tahquamenon Area: Call Report deltas vs peers
- Loan-to-Share Ratio trails the peer set - 43.80% here, 62.60% peer average (-18.80 pp).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Tahquamenon Area in Michigan
- In Michigan, health place is #162 of 171 on the same NCUA-ratio sort used nationally.
- Assets rank #126 of 171 inside Michigan ($67.5M reported).
- Michigan membership ordinal: #128 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.
Tahquamenon Area Call Report trajectory
Tahquamenon Area: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.2% from $67.5M (2025Q4) to $67.6M (2026Q1).
- Net-worth ratio shifted +0.03 pp (12.12% → 12.15%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 12.15%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 69/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 69.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 20.2 pts
- Return on Assets 9.3 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 9.5 pts
Call Report ratios for Tahquamenon Area
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.15% | -1.47 pp |
| Delinquency Rate | 0.98% | +0.01 pp |
| Return on Assets | 0.12% | -0.54 pp |
| Member Growth | -5.64% | - |
| Loan-to-Share Ratio | 43.80% | -18.80 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).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $67.6M | - |
| 2025Q4 | $67.5M | 4,634 |
| 2024Q4 | $70.2M | 4,911 |
| 2023Q4 | $69.5M | 5,344 |
Credit Union Details
- Charter Number
- 60423
- Type
- State
- Field of Membership
- Other
- Peer Group
- $50M–$100M
- State
- Michigan
- City
- Newberry
- Data Quarter
- 2025Q4
Branch Locations (2)
Per its most recent NCUA branch filing, Tahquamenon Area runs 2 offices in 2 different cities.
| Office | City |
|---|---|
| Newberry (Main Office) | Newberry, MI |
| Engadine | Engadine, MI |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Michigan
A look at other Michigan credit unions, ranked by how closely their peer group and asset size match this one.
Nationwide credit unions with similar profiles
Cross-state asset and health neighbours for Tahquamenon Area - kept outside Michigan; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($67.5M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (69/100 here).
Using this data
- Tahquamenon Area ranks #3,651 of 4,374 nationally on financial health and #162 of 171 in MI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- A.B.D. is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with A.B.D.
- 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 Tahquamenon Area financially healthy?
A 12.15% net worth ratio and a 0.98% delinquency rate feed into Tahquamenon Area's financial health score of 69/100 (Good), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,651 of 4,374; by total assets it ranks #2,171 of 4,374 nationally (same basis as /rankings/largest); and #126 of 171 within Michigan. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Tahquamenon Area compare to other credit unions?
PlainCU's health composite puts Tahquamenon Area at 69/100, compared to a peer group average for $50M–$100M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), delinquency rate (25%), return on assets (15%), member growth (15%), and 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 Tahquamenon Area?
Membership eligibility for Tahquamenon Area depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Tahquamenon Area directly for current membership requirements and application steps.
Is my money safe at Tahquamenon Area?
Federal credit unions like Tahquamenon Area 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. Tahquamenon Area's net worth ratio of 12.15% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Tahquamenon Area offer compared to banks?
Credit unions like Tahquamenon Area 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 Tahquamenon Area 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.