State credit union · Ann Arbor, Michigan · NCUA charter #61552
University of Michigan
Health score 87/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 87
- Health / 100
- $1.41B
- Total assets
- 122,134
- Members
- 10.5%
- Net-worth ratio
University of Michigan - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #61552: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
University of Michigan - Five Health Pillars
The five bars below are this credit union's pillar-level 0-100 sub-scores. Sum the weighted pillars and you get the headline health score above - same NCUA 5300 data, no normalisation tricks applied.
- Capital (net worth ratio)100
- Asset quality (delinquency)84
- Earnings (ROA)100
- Member growth80
- Liquidity (loan-to-share)63
Weighted composite: 87/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
10.55% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 10.55% | 30% |
| Delinquency Rate | 0.91% | 25% |
| Return on Assets | 1.52% | 15% |
| Member Growth | 2.55% | 15% |
| Loan-to-Share Ratio | 102.65% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $1.41B | 122,134 |
| 2024Q4 | $1.35B | 119,095 |
| 2023Q4 | $1.36B | 117,703 |
Credit Union Details
- Charter Number
- 61552
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Michigan
- City
- Ann Arbor
- Data Quarter
- 2025Q4
What This Data Says About University of Michigan
Charter #61552, peer group Over $500M, a cohort of 749 similarly-sized institutions: that's University of Michigan, a state credit union in Ann Arbor, Michigan with 122,134 members, $1.41B in total assets, and $1.12B in outstanding loans as of Q4 2025. The five-factor composite scores it 87/100 (Excellent), helped by a net worth ratio of 10.55% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules.
0.91% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for Over $500M credit unions sits at 0.874%, so this institution is running looser than peers. Deposit deployment is captured by the 102.65% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 1.52% on net income of $21.4M 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 2.55%. The institution reports against the NCUA 5300 Call Report on a quarterly cadence; the figures above reflect the 2025Q4 reporting period. Membership eligibility depends on the stated field of membership (currently: Other). See our disclaimer for NCUSIF deposit-insurance coverage and how to use this data before opening any account or borrowing.
Nearby Credit Unions in Michigan
Other federally-insured credit unions in Michigan, closest first by peer group 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 University of Michigan financially healthy?
University of Michigan scores 87/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 10.55% net worth ratio and a 0.91% delinquency rate.
How does University of Michigan compare to other credit unions?
PlainCU's health composite puts University of Michigan at 87/100, compared to a peer group average for Over $500M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), 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 University of Michigan?
Membership eligibility for University of Michigan depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact University of Michigan directly for current membership requirements and application steps.
Is my money safe at University of Michigan?
Federal credit unions like University of Michigan 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. University of Michigan's net worth ratio of 10.55% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does University of Michigan offer compared to banks?
Credit unions like University of Michigan 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 University of Michigan 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.