State credit union · Ann Arbor, Michigan · NCUA charter #61552
University of Michigan
Health score 87/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 87
- Health / 100
- $1.41B
- Total assets
- 122,134
- Members
- 10.7%
- Net-worth ratio
University of Michigan scores 87/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.41B; members 122,134; net-worth ratio 10.72%; health rank #1,683 of 4,374; healthier than 60th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#1,683 of 4,374 health · 2025Q4University of Michigan · health 87/100 · $1.41B · 2025Q4
- DELQ 87/100
- ROA 10.7%
- ASSETS 0.91%
- MEM 1.52%
- RANK $1.41B
- PHOTO 122,134
- BOOK #1,683/4,374
- CHARTER NOBLE
- NCUSIF 61552
Call Report peers
University of Michigan in the assets neighbourhood
University of Michigan's $1.41B assets sit next to NOBLE ($1.41B) 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.
University of Michigan 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
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: Call Report deltas vs peers
- Loan-to-Share Ratio leads the peer set - 102.65% here, 83.90% peer average (+18.75 pp).
- Widest shortfall vs peers is Net Worth Ratio: -0.46 pp (10.72% vs 11.18%).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Michigan standing for University of Michigan
- Health composite ranks #80 of 171 among scored Michigan credit unions.
- Michigan assets place: #20 of 171.
- Member book place in Michigan: #11 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 University of Michigan's 5300 filing moved
University of Michigan: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.4% from $1.41B (2025Q4) to $1.45B (2026Q1).
- Net-worth ratio shifted -0.16 pp (10.88% → 10.72%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
10.72% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action 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 20.9 pts
- Return on Assets 15.0 pts
- Member Growth 12.1 pts
- Loan-to-Share Ratio 9.0 pts
University of Michigan vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.72% | -0.46 pp |
| Delinquency Rate | 0.91% | +0.03 pp |
| Return on Assets | 1.52% | +1.01 pp |
| Member Growth | 2.55% | - |
| Loan-to-Share Ratio | 102.65% | +18.75 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.45B | - |
| 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
Branch Locations (15)
University of Michigan operates 15 offices across 6 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| 340 Huron (Main Office) | Ann Arbor, MI |
| Huron Branch | Ann Arbor, MI |
| Plymouth Road Branch | Ann Arbor, MI |
| Pierpont Branch | Ann Arbor, MI |
| Michigan Union Branch | Ann Arbor, MI |
| Jackson Road Branch | Ann Arbor, MI |
| South State Street Branch | Ann Arbor, MI |
| South University Branch | Ann Arbor, MI |
| Carpenter Road Branch | Ann Arbor, MI |
| Michigan Medicine | Ann Arbor, MI |
| Bristol Road Branch | Burton, MI |
| Dearborn Branch | Dearborn, MI |
| Genesys Health Park Branch | Grand Blanc, MI |
| Northville Township | Northville, MI |
| EMUCU Student Center Branch | Ypsilanti, 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.
Other-state peers near University of Michigan
Two NCUA Call Report peer sets for University of Michigan, both outside Michigan so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($1.41B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (87/100 here).
Using this data
- University of Michigan ranks #1,683 of 4,374 nationally on financial health and #80 of 171 in MI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- VIBE is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with VIBE
- 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 University of Michigan financially healthy?
University of Michigan scores 87/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,683 of 4,374; by total assets it ranks #351 of 4,374 nationally (same basis as /rankings/largest); and #20 of 171 within Michigan. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 10.72% 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 10.72% 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.
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.