State credit union · Hastings, Michigan · NCUA charter #62196
THORNAPPLE
Health score 94/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 94
- Health / 100
- $74.5M
- Total assets
- 8,421
- Members
- 9.6%
- Net-worth ratio
THORNAPPLE scores 94/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $74.5M; members 8,421; net-worth ratio 9.55%; health rank #547 of 4,374; healthier than 87th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#547 of 4,374 health · 2025Q4THORNAPPLE · health 94/100 · $74.5M · 2025Q4
- NCUSIF 94/100
- CAMELS 9.6%
- HEALTH 0.74%
- NW 1.20%
- DELQ $74.5M
- ROA 8,421
- ASSETS #547/4,374
- MEM Hereford Texas
- RANK 62196
Call Report peers
THORNAPPLE in the assets neighbourhood
THORNAPPLE's $74.5M assets sit next to Hereford Texas ($74.6M) 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.
THORNAPPLE 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
94 Top 13% higher than 87% 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
THORNAPPLE - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #62196: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Peer-gap read for THORNAPPLE
- Largest favorable gap: Loan-to-Share Ratio at 89.60% vs peer 62.60% (+27.00 pp).
- Widest shortfall vs peers is Net Worth Ratio: -4.07 pp (9.55% vs 13.62%).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
THORNAPPLE in Michigan
- Michigan health ordinal: #21 of 171.
- Michigan assets place: #122 of 171.
- Member book place in Michigan: #104 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.
Quarter path for THORNAPPLE
THORNAPPLE: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +5.3% from $74.5M (2025Q4) to $78.4M (2026Q1).
- Net-worth ratio shifted -0.28 pp (9.83% → 9.55%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 9.55%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 94/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 94.
- Net Worth Ratio 28.9 pts
- Delinquency Rate 22.6 pts
- Return on Assets 15.0 pts
- Member Growth 12.1 pts
- Loan-to-Share Ratio 15.4 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.55% | -4.07 pp |
| Delinquency Rate | 0.74% | -0.22 pp |
| Return on Assets | 1.20% | +0.54 pp |
| Member Growth | 2.57% | - |
| Loan-to-Share Ratio | 89.60% | +27.00 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).
THORNAPPLE filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $78.4M | - |
| 2025Q4 | $74.5M | 8,421 |
| 2024Q4 | $72.4M | 8,210 |
| 2023Q4 | $66.4M | 7,942 |
Credit Union Details
- Charter Number
- 62196
- Type
- State
- Field of Membership
- Other
- Peer Group
- $50M–$100M
- State
- Michigan
- City
- Hastings
- Data Quarter
- 2025Q4
Branch Locations (3)
The NCUA branch filing lists 3 physical offices for THORNAPPLE, spread across 3 cities.
| Office | City |
|---|---|
| Main Office (Main Office) | Hastings, MI |
| Branch | Delton, MI |
| Branch | Middleville, 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.
Nationwide credit unions with similar profiles
Cross-state asset and health neighbours for THORNAPPLE - kept outside Michigan; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($74.5M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (94/100 here).
Using this data
- THORNAPPLE ranks #547 of 4,374 nationally on financial health and #21 of 171 in MI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Michigan Columbus is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Michigan Columbus
- 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 THORNAPPLE financially healthy?
A 9.55% net worth ratio and a 0.74% delinquency rate feed into THORNAPPLE's financial health score of 94/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #547 of 4,374; by total assets it ranks #2,078 of 4,374 nationally (same basis as /rankings/largest); and #122 of 171 within Michigan. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does THORNAPPLE compare to other credit unions?
THORNAPPLE scores 94/100 on PlainCU's health composite, compared to a peer group average for $50M–$100M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), 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 THORNAPPLE?
Membership eligibility for THORNAPPLE depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact THORNAPPLE directly for current membership requirements and application steps.
Is my money safe at THORNAPPLE?
Federal credit unions like THORNAPPLE 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. THORNAPPLE's net worth ratio of 9.55% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does THORNAPPLE offer compared to banks?
Credit unions like THORNAPPLE 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 THORNAPPLE 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.