State credit union · TRAVERSE CITY, Michigan · NCUA charter #61795
TBA
Health score 88/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 88
- Health / 100
- $377.8M
- Total assets
- 20,639
- Members
- 14.7%
- Net-worth ratio
TBA scores 88/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $377.8M; members 20,639; net-worth ratio 14.69%; health rank #1,419 of 4,374; healthier than 65th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#1,419 of 4,374 health · 2025Q4TBA · health 88/100 · $377.8M · 2025Q4
- ASSETS 88/100
- MEM 14.7%
- RANK 1.91%
- PHOTO 1.21%
- BOOK $377.8M
- CHARTER 20,639
- NCUSIF #1,419/4,374
- CAMELS FREMONT
- HEALTH 61795
Call Report peers
TBA in the assets neighbourhood
TBA's $377.8M assets sit next to FREMONT ($378.3M) 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.
TBA 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
88 Top 35% higher than 65% 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
TBA - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #61795. See our deposit-insurance coverage note.
Where TBA diverges from peer averages
- Largest favorable gap: Loan-to-Share Ratio at 82.01% vs peer 72.20% (+9.81 pp).
- Widest shortfall vs peers is Delinquency Rate: +1.02 pp (1.91% vs 0.89%).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
TBA: in-state Call Report ranks
- Michigan health ordinal: #64 of 171.
- Michigan assets place: #53 of 171.
- Membership ranks #63 of 171 among Michigan CUs with a reported count (20,639 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.
TBA: 2025Q4 → 2026Q1
TBA: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.6% from $377.8M (2025Q4) to $383.8M (2026Q1).
- Net-worth ratio shifted +0.08 pp (14.61% → 14.69%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 14.69%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 88/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 88.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 13.1 pts
- Return on Assets 15.0 pts
- Member Growth 14.6 pts
- Loan-to-Share Ratio 15.3 pts
TBA health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 14.69% | +2.58 pp |
| Delinquency Rate | 1.91% | +1.02 pp |
| Return on Assets | 1.21% | +0.59 pp |
| Member Growth | 4.71% | - |
| Loan-to-Share Ratio | 82.01% | +9.81 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Call Report history - TBA
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $383.8M | - |
| 2025Q4 | $377.8M | 20,639 |
| 2024Q4 | $368.9M | 19,711 |
| 2023Q4 | $346.6M | 19,137 |
Credit Union Details
- Charter Number
- 61795
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Michigan
- City
- TRAVERSE CITY
- Data Quarter
- 2025Q4
Branch Locations (2)
TBA operates 2 offices in Traverse City, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Front Street (Main Office) | Traverse City, MI |
| South Airport | Traverse City, 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.
Other-state peers near TBA
Cross-state asset and health neighbours for TBA - kept outside Michigan; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($377.8M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (88/100 here).
Using this data
- TBA ranks #1,419 of 4,374 nationally on financial health and #64 of 171 in MI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- IGNITE is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with IGNITE
- 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 TBA financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, TBA carries a financial health score of 88/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #1,419 of 4,374; by total assets it ranks #903 of 4,374 nationally (same basis as /rankings/largest); and #53 of 171 within Michigan. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 14.69% net worth ratio and a 1.91% delinquency rate.
How does TBA compare to other credit unions?
88/100 is TBA's score on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 TBA?
Membership eligibility for TBA depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact TBA directly for current membership requirements and application steps.
Is my money safe at TBA?
Federal credit unions like TBA 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. TBA's net worth ratio of 14.69% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does TBA offer compared to banks?
Credit unions like TBA 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 TBA 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.