Federal credit union · Wolverine Lake, Michigan · NCUA charter #6613
Walled Lake Schools
Health score 82/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 82
- Health / 100
- $137.5M
- Total assets
- 5,056
- Members
- 14.3%
- Net-worth ratio
Walled Lake Schools scores 82/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $137.5M; members 5,056; net-worth ratio 14.29%; health rank #2,408 of 4,374; healthier than 43rd of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#2,408 of 4,374 health · 2025Q4Walled Lake Schools · health 82/100 · $137.5M · 2025Q4
- ASSETS 82/100
- MEM 14.3%
- RANK 0.59%
- PHOTO 1.05%
- BOOK $137.5M
- CHARTER 5,056
- NCUSIF #2,408/4,374
- CAMELS INTERFAITH
- HEALTH 6613
Call Report peers
Walled Lake Schools in the assets neighbourhood
Walled Lake Schools's $137.5M assets sit next to INTERFAITH ($137.6M) 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.
Walled Lake Schools 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
82 43rd percentile higher than 43% 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
Walled Lake Schools - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #6613: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Walled Lake Schools: Call Report deltas vs peers
- Net Worth Ratio leads the peer set - 14.29% here, 12.11% peer average (+2.18 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -46.13 pp (26.07% vs 72.20%).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Walled Lake Schools sits in Michigan
- Michigan health ordinal: #123 of 171.
- Michigan assets place: #100 of 171.
- Member book place in Michigan: #122 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.
Walled Lake Schools: 2025Q4 → 2026Q1
Walled Lake Schools: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.0% from $137.5M (2025Q4) to $137.5M (2026Q1).
- Net-worth ratio shifted +0.23 pp (14.06% → 14.29%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 14.29% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 82/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 82.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 24.1 pts
- Return on Assets 15.0 pts
- Member Growth 4.3 pts
- Loan-to-Share Ratio 8.6 pts
Walled Lake Schools vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 14.29% | +2.18 pp |
| Delinquency Rate | 0.59% | -0.30 pp |
| Return on Assets | 1.05% | +0.43 pp |
| Member Growth | -2.64% | - |
| Loan-to-Share Ratio | 26.07% | -46.13 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Call Report history - Walled Lake Schools
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $137.5M | - |
| 2025Q4 | $137.5M | 5,056 |
| 2024Q4 | $132.2M | 5,193 |
| 2023Q4 | $133.1M | 5,282 |
Credit Union Details
- Charter Number
- 6613
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Michigan
- City
- Wolverine Lake
- Data Quarter
- 2025Q4
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for Walled Lake Schools, spread across 2 cities in 2 states.
| Office | City |
|---|---|
| Main (Main Office) | Wolverine Lake, MI |
| Fiserv Credit Union Solutions | Milwaukee, WI |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Michigan
A look at other Michigan credit unions, ranked by how closely their peer group and asset size match this one.
- UKRAINIAN SELFRELIANCE MICHIGANWarren, MI · $100M–$500M88Health
- LENCOAdrian, MI · $100M–$500M95Health
- FINANCIALEDGEBay City, MI · $100M–$500M87Health
- BREAKWATERHOUGHTON, MI · $100M–$500M95Health
- INTEGRA FIRSTPowers, MI · $100M–$500M80Health
Compare Walled Lake Schools vs UKRAINIAN SELFRELIANCE MICHIGAN
Nationwide credit unions with similar profiles
Cross-state asset and health neighbours for Walled Lake Schools - kept outside Michigan; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($137.5M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (82/100 here).
Using this data
- Walled Lake Schools ranks #2,408 of 4,374 nationally on financial health and #123 of 171 in MI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Ukrainian Selfreliance Michigan is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Ukrainian Selfreliance Michigan
- 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 Walled Lake Schools financially healthy?
Walled Lake Schools has a financial health score of 82/100 (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 #2,408 of 4,374; by total assets it ranks #1,561 of 4,374 nationally (same basis as /rankings/largest); and #100 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 14.29% and delinquency rate of 0.59%.
How does Walled Lake Schools compare to other credit unions?
Walled Lake Schools scores 82/100 on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (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 Walled Lake Schools?
Walled Lake Schools 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 Walled Lake Schools directly for the exact boundaries and application steps.
Is my money safe at Walled Lake Schools?
Federal credit unions like Walled Lake Schools 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. Walled Lake Schools's net worth ratio of 14.29% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Walled Lake Schools offer compared to banks?
Credit unions like Walled Lake Schools 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 Walled Lake Schools 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.