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
Call Report peers
University of Michigan in the assets neighbourhood
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
University of Michigan sits in the busiest band, 85-89, alongside 857 other credit unions.
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: 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%).
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.
- One place up in Michigan, LAKESHORE (#79) ties at 87/100; one place down, Traverse Catholic (#81) ties at 87/100.
How University of Michigan's 5300 filing moved
University of Michigan: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.4% from $1.41B (2025Q4) to $1.45B (2026Q1).
- Net-worth ratio shifted -0.16 pp (10.88% → 10.72%).
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
University of Michigan gives up 13 points in total. Loan-to-Share Ratio costs the most, 5.5 of its 15; Net Worth Ratio and Return on Assets score full marks.
- 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 |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is University of Michigan financially healthy?
University of Michigan has a financial health score of 87/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,683 of 4,374 nationally on health and #80 of 171 in Michigan. Its net worth ratio is 10.72% and its delinquency rate 0.91%.
How does University of Michigan compare to other credit unions?
University of Michigan scores 87/100, higher than 60% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (102.65% vs 83.90%). Its widest shortfall is net worth ratio (10.72% vs 11.18%).
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?
University of Michigan is a state-chartered credit union; its shares are federally 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."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.