Federal credit union · Wolverine Lake, Michigan · NCUA charter #6613
Walled Lake Schools
Health score 82/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 82
- Health / 100
- $137.5M
- Total assets
- 5,056
- Members
- 14.1%
- Net-worth ratio
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 - Five Health Pillars
Each bar is the credit union's 0-100 sub-score on one pillar of the composite. The weighted sum of these five sub-scores is the headline health score above, same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)96
- Earnings (ROA)100
- Member growth28
- Liquidity (loan-to-share)56
Weighted composite: 82/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 14.06% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 14.06% | 30% |
| Delinquency Rate | 0.59% | 25% |
| Return on Assets | 1.05% | 15% |
| Member Growth | -2.64% | 15% |
| Loan-to-Share Ratio | 26.07% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Walled Lake Schools
5,056 members and $137.5M in total assets sit behind Walled Lake Schools, a federal credit union in Wolverine Lake, Michigan, which posts a health score of 82/100 (Excellent) on the five-factor composite, with $30.7M in outstanding loans as of Q4 2025 and a net worth ratio of 14.06% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #6613 in peer group $100M–$500M, a cohort of 1069 similarly-sized institutions.
0.59% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for $100M–$500M credit unions sits at 0.894%, so this institution is running tighter than peers. Deposit deployment is captured by the 26.07% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Return on assets stands at 1.05% on net income of $1.4M 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 -2.64%. These figures come from the 2025Q4 NCUA 5300 Call Report, filed on a quarterly cadence. The stated field of membership (currently: Community) governs who can join. Before opening an account or borrowing, see our disclaimer for NCUSIF deposit-insurance coverage and how to use this data.
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
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 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. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 14.06% 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 14.06% 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.
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.