State credit union · TAYLOR, Michigan · NCUA charter #62245
Total Community
Health score 79/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 79
- Health / 100
- $106.8M
- Total assets
- 6,410
- Members
- 15.0%
- Net-worth ratio
Total Community scores 79/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $106.8M; members 6,410; net-worth ratio 14.99%; health rank #2,839 of 4,374; healthier than 33rd of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#2,839 of 4,374 health · 2025Q4Total Community · health 79/100 · $106.8M · 2025Q4
Call Report peers
Total Community in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Total Community vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Total Community sits in 75-79 with 502 others.
79 33rd percentile higher than 33% 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
Total Community: Call Report deltas vs peers
- Strongest edge vs 1069 $100M–$500M peers is Net Worth Ratio: +2.88 pp (14.99% vs 12.11%).
- Loan-to-Share Ratio trails the peer set - 47.57% here, 72.20% peer average (-24.63 pp).
Where Total Community sits in Michigan
- Health composite ranks #143 of 171 among scored Michigan credit unions.
- By total assets, Total Community is #109 of 171 in Michigan.
- Michigan membership ordinal: #116 of 171.
- One place up in Michigan, The Local (#142) ties at 79/100; one place down, Electrical Workers Local 58 (#144) ties at 79/100.
How Total Community's 5300 filing moved
Total Community: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.9% from $106.8M (2025Q4) to $109.8M (2026Q1).
- Net-worth ratio shifted +0.11 pp (14.88% → 14.99%).
This credit union's 14.99% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 79/100 score is built
Total Community gives up 21 points in total. Member Growth costs the most, 14 of its 15; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 22.6 pts
- Return on Assets 15.0 pts
- Member Growth 1.0 pts
- Loan-to-Share Ratio 10.4 pts
Total Community vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 14.99% | +2.88 pp |
| Delinquency Rate | 0.74% | -0.15 pp |
| Return on Assets | 1.76% | +1.14 pp |
| Member Growth | -4.43% | - |
| Loan-to-Share Ratio | 47.57% | -24.63 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $109.8M | - |
| 2025Q4 | $106.8M | 6,410 |
| 2024Q4 | $100.8M | 6,707 |
| 2023Q4 | $98.6M | 6,895 |
Credit Union Details
- Charter Number
- 62245
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Michigan
- City
- TAYLOR
- Data Quarter
- 2025Q4
Branch Locations (2)
Total Community operates 2 offices across 2 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Total Community Credit Union (Main Office) | Taylor, MI |
| CU*ANSWERS | GRAND RAPIDS, 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.
Total Community nationwide neighbourhoods
Similar total assets
Using this data
- Total Community ranks #2,839 of 4,374 nationally on financial health and #143 of 171 in MI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- The Local is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with The Local
Frequently Asked Questions
Is Total Community financially healthy?
On its 2025Q4 NCUA 5300 filing, Total Community scores 79/100 (Very Good), with a 14.99% net worth ratio and 0.74% of loans delinquent. It ranks #2,839 of 4,374 nationally on health and #143 of 171 in Michigan.
How does Total Community compare to other credit unions?
Total Community scores 79/100, higher than 33% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is net worth ratio (14.99% vs 12.11%). Its widest shortfall is loan-to-share ratio (47.57% vs 72.20%).
How can I join Total Community?
Membership eligibility for Total Community depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Total Community directly for current membership requirements and application steps.
Is my money safe at Total Community?
Total Community 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. Total Community's net worth ratio of 14.99% 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.