State credit union · Grand Haven, Michigan · NCUA charter #62508
TRI-CITIES
Health score 89/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 89
- Health / 100
- $50.6M
- Total assets
- 3,580
- Members
- 13.7%
- Net-worth ratio
TRI-CITIES scores 89/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $50.6M; members 3,580; net-worth ratio 13.69%; health rank #1,231 of 4,374; healthier than 69th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#1,231 of 4,374 health · 2025Q4TRI-CITIES · health 89/100 · $50.6M · 2025Q4
- CHARTER 89/100
- NCUSIF 13.7%
- CAMELS 0.21%
- HEALTH 0.81%
- NW $50.6M
- DELQ 3,580
- ROA #1,231/4,374
- ASSETS North Memorial
- MEM 62508
Call Report peers
TRI-CITIES in the assets neighbourhood
TRI-CITIES's $50.6M assets sit next to North Memorial ($50.5M) 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.
TRI-CITIES 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
89 Top 31% higher than 69% 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
TRI-CITIES - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #62508, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Where TRI-CITIES diverges from peer averages
- Largest favorable gap: Loan-to-Share Ratio at 69.80% vs peer 62.60% (+7.20 pp).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
TRI-CITIES in Michigan
- Health composite ranks #54 of 171 among scored Michigan credit unions.
- Michigan assets place: #136 of 171.
- Membership ranks #135 of 171 among Michigan CUs with a reported count (3,580 members).
In-state ordinals use the live credit_unions table for MI only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
TRI-CITIES Call Report trajectory
TRI-CITIES: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.4% from $50.6M (2025Q4) to $51.3M (2026Q1).
- Net-worth ratio shifted +0.07 pp (13.62% → 13.69%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
13.69% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 89/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 89.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 4.2 pts
- Loan-to-Share Ratio 14.8 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.69% | +0.07 pp |
| Delinquency Rate | 0.21% | -0.76 pp |
| Return on Assets | 0.81% | +0.16 pp |
| Member Growth | -2.66% | - |
| Loan-to-Share Ratio | 69.80% | +7.20 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).
TRI-CITIES quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $51.3M | - |
| 2025Q4 | $50.6M | 3,580 |
| 2024Q4 | $50.7M | 3,678 |
| 2023Q4 | $48.0M | 3,770 |
Credit Union Details
- Charter Number
- 62508
- Type
- State
- Field of Membership
- Other
- Peer Group
- $50M–$100M
- State
- Michigan
- City
- Grand Haven
- Data Quarter
- 2025Q4
Branch Locations (4)
TRI-CITIES operates 4 offices across 3 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Tri-Cities Credit Union (Main Office) | Grand Haven, MI |
| River Valley Credit Union | Ada, MI |
| Location of Records - TCCU | Grand Haven, MI |
| Muskegon Federal Credit Union | Muskegon, MI |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Michigan
Other federally-insured credit unions in Michigan, closest first by peer group and asset size.
Nationwide credit unions with similar profiles
Cross-state asset and health neighbours for TRI-CITIES - kept outside Michigan; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($50.6M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (89/100 here).
Using this data
- TRI-CITIES ranks #1,231 of 4,374 nationally on financial health and #54 of 171 in MI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Gr Consumers is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Gr Consumers
- 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 TRI-CITIES financially healthy?
A 13.69% net worth ratio and a 0.21% delinquency rate feed into TRI-CITIES's financial health score of 89/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,231 of 4,374; by total assets it ranks #2,394 of 4,374 nationally (same basis as /rankings/largest); and #136 of 171 within Michigan. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does TRI-CITIES compare to other credit unions?
89/100 is TRI-CITIES's score on PlainCU's health composite, compared to a peer group average for $50M–$100M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 TRI-CITIES?
Membership eligibility for TRI-CITIES depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact TRI-CITIES directly for current membership requirements and application steps.
Is my money safe at TRI-CITIES?
Federal credit unions like TRI-CITIES 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. TRI-CITIES's net worth ratio of 13.69% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does TRI-CITIES offer compared to banks?
Credit unions like TRI-CITIES 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 TRI-CITIES 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.