Federal credit union · TRAVERSE CITY, Michigan · NCUA charter #6844
Traverse Catholic
Health score 87/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 87
- Health / 100
- $91.0M
- Total assets
- 6,714
- Members
- 9.8%
- Net-worth ratio
Traverse Catholic - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #6844. See our deposit-insurance coverage note.
Traverse Catholic - Five Health Pillars
Below, five 0-100 sub-scores, one per pillar of the composite. Weight and sum them and the result matches the headline health score above exactly - same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)98
- Asset quality (delinquency)100
- Earnings (ROA)100
- Member growth25
- Liquidity (loan-to-share)90
Weighted composite: 87/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 9.77%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 9.77% | 30% |
| Delinquency Rate | 0.24% | 25% |
| Return on Assets | 0.56% | 15% |
| Member Growth | -2.92% | 15% |
| Loan-to-Share Ratio | 63.40% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Traverse Catholic
The five-factor composite scores Traverse Catholic at 87/100 (Excellent), reflecting a net worth ratio of 9.77% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. This federal credit union, headquartered in TRAVERSE CITY, Michigan, reports 6,714 members, $91.0M in total assets, and $52.1M in outstanding loans as of Q4 2025 under charter #6844 (peer group $50M–$100M, a cohort of 584 similarly-sized institutions).
On loan book quality: 0.24% of loans are 60+ days past due against the total loan book - the peer group average for $50M–$100M credit unions sits at 0.963%, so this institution is running tighter than peers. Meanwhile a 63.40% loan-to-share ratio shows how aggressively member deposits get deployed into lending, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at 0.56% on net income of $507K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -2.92%. These figures come from the 2025Q4 NCUA 5300 Call Report, filed on a quarterly cadence. The stated field of membership (currently: Community) governs who can join. Before opening an account or borrowing, see our disclaimer for NCUSIF deposit-insurance coverage and how to use this data.
Nearby Credit Unions in Michigan
More federally-insured credit unions based in Michigan, ordered by peer group match and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Traverse Catholic financially healthy?
Traverse Catholic has a financial health score of 87/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 9.77% and delinquency rate of 0.24%.
How does Traverse Catholic compare to other credit unions?
On PlainCU's health composite, Traverse Catholic lands at 87/100, compared to a peer group average for $50M–$100M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 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 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?
Federal credit unions like Traverse Catholic 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. Traverse Catholic's net worth ratio of 9.77% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Traverse Catholic offer compared to banks?
Credit unions like Traverse Catholic 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 Traverse Catholic directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
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.