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
- MEM 87/100
- RANK 10.0%
- PHOTO 0.24%
- BOOK 0.56%
- CHARTER $91.0M
- NCUSIF 6,714
- CAMELS #1,694/4,374
- HEALTH Family Advantage
- NW 6844
Call Report peers
Traverse Catholic in the assets neighbourhood
Traverse Catholic's $91.0M assets sit next to Family Advantage ($91.1M) 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.
Traverse Catholic 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
87 Top 40% higher than 60% 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
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 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).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for MI only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How Traverse Catholic's 5300 filing moved
Traverse Catholic: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.7% from $91.0M (2025Q4) to $92.6M (2026Q1).
- Net-worth ratio shifted +0.21 pp (9.77% → 9.98%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 87.
- 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 |
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).
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
Traverse Catholic's nationwide photo peers by assets and by health score, excluding Michigan charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($91.0M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (87/100 here).
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
- 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 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. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,694 of 4,374; by total assets it ranks #1,912 of 4,374 nationally (same basis as /rankings/largest); and #115 of 171 within Michigan. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 9.98% 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 9.98% 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.
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.