Federal credit union · TRAVERSE CITY, Michigan · NCUA charter #6844
Traverse Catholic
Health score 87/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 87
- Health / 100
- $91.0M
- Total assets
- 6,714
- Members
- 10.0%
- Net-worth ratio
Traverse Catholic scores 87/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $91.0M; members 6,714; net-worth ratio 9.98%; health rank #1,694 of 4,374; healthier than 60th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#1,694 of 4,374 health · 2025Q4Traverse Catholic · health 87/100 · $91.0M · 2025Q4
Call Report peers
Traverse Catholic in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Traverse Catholic vs every NCUA-scored credit union
Traverse Catholic sits in the busiest band, 85-89, alongside 857 other credit unions.
87 Top 40% higher than 60% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Traverse Catholic vs $50M–$100M peers
- Loan-to-Share Ratio leads the peer set - 63.40% here, 62.60% peer average (+0.80 pp).
- Net Worth Ratio trails the peer set - 9.98% here, 13.62% peer average (-3.64 pp).
Where Traverse Catholic sits in Michigan
- Michigan health ordinal: #81 of 171.
- Assets rank #115 of 171 inside Michigan ($91.0M reported).
- Member book place in Michigan: #114 of 171.
- One place up in Michigan, University of Michigan (#80) ties at 87/100; one place down, Isabella Community (#82) ties at 87/100.
How Traverse Catholic's 5300 filing moved
Traverse Catholic: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.7% from $91.0M (2025Q4) to $92.6M (2026Q1).
- Net-worth ratio shifted +0.21 pp (9.77% → 9.98%).
At 9.98%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 87/100 score is built
Traverse Catholic gives up 13 points in total. Member Growth costs the most, 11.3 of its 15; Delinquency Rate and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 3.7 pts
- Loan-to-Share Ratio 13.3 pts
Traverse Catholic health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.98% | -3.64 pp |
| Delinquency Rate | 0.24% | -0.72 pp |
| Return on Assets | 0.56% | -0.10 pp |
| Member Growth | -2.92% | - |
| Loan-to-Share Ratio | 63.40% | +0.80 pp |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
Call Report history - Traverse Catholic
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $92.6M | - |
| 2025Q4 | $91.0M | 6,714 |
| 2024Q4 | $86.5M | 6,916 |
| 2023Q4 | $88.1M | 7,287 |
Credit Union Details
- Charter Number
- 6844
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- Michigan
- City
- TRAVERSE CITY
- Data Quarter
- 2025Q4
Branch Locations (3)
The NCUA branch filing lists 3 physical offices for Traverse Catholic, spread across 3 cities.
| Office | City |
|---|---|
| Main Office (Main Office) | Traverse City, MI |
| Traverse Catholic FCU - Interlochen Branch | Interlochen, MI |
| Traverse Catholic FCU-Lake Leelanau | Lake Leelanau, 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.
Other-state peers near Traverse Catholic
Similar total assets
Similar health score
Using this data
- Traverse Catholic ranks #1,694 of 4,374 nationally on financial health and #81 of 171 in MI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- South Central is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with South Central
Frequently Asked Questions
Is Traverse Catholic financially healthy?
On its 2025Q4 NCUA 5300 filing, Traverse Catholic scores 87/100 (Excellent), with a 9.98% net worth ratio and 0.24% of loans delinquent. It ranks #1,694 of 4,374 nationally on health and #81 of 171 in Michigan.
How does Traverse Catholic compare to other credit unions?
Traverse Catholic scores 87/100, higher than 60% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is loan-to-share ratio (63.40% vs 62.60%). Its widest shortfall is net worth ratio (9.98% vs 13.62%).
How can I join Traverse Catholic?
Traverse Catholic operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Traverse Catholic directly for the exact boundaries and application steps.
Is my money safe at Traverse Catholic?
Traverse Catholic is a federal 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. Traverse Catholic's net worth ratio of 9.98% 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.