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
Call Report peers
THORNAPPLE in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); THORNAPPLE sits in 90-94 with 747 others.
94 Top 13% higher than 87% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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%).
THORNAPPLE in Michigan
- Michigan health ordinal: #21 of 171.
- Michigan assets place: #122 of 171.
- Member book place in Michigan: #104 of 171.
- One place up in Michigan, Baraga County (#20) ties at 94/100; one place down, Lake Superior (#22) scores 93/100, 1 point lower.
Quarter path for THORNAPPLE
THORNAPPLE: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +5.3% from $74.5M (2025Q4) to $78.4M (2026Q1).
- Net-worth ratio shifted -0.28 pp (9.83% → 9.55%).
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
THORNAPPLE gives up 6 points in total. Member Growth costs the most, 2.9 of its 15; Return on Assets and Loan-to-Share Ratio score full marks.
- 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 |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
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
Similar total assets
Similar health score
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
Frequently Asked Questions
Is THORNAPPLE financially healthy?
THORNAPPLE has a financial health score of 94/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #547 of 4,374 nationally on health and #21 of 171 in Michigan. Its net worth ratio is 9.55% and its delinquency rate 0.74%.
How does THORNAPPLE compare to other credit unions?
THORNAPPLE scores 94/100, higher than 87% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is loan-to-share ratio (89.60% vs 62.60%). Its widest shortfall is net worth ratio (9.55% vs 13.62%).
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?
THORNAPPLE is a state-chartered 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. THORNAPPLE's net worth ratio of 9.55% 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.