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
Call Report peers
Walled Lake Schools in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); Walled Lake Schools sits in 80-84 with 767 others.
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: 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%).
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.
- One place up in Michigan, Gogebic County (#122) ties at 82/100; one place down, Flagship Community (#124) ties at 82/100.
Walled Lake Schools: 2025Q4 → 2026Q1
Walled Lake Schools: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.0% from $137.5M (2025Q4) to $137.5M (2026Q1).
- Net-worth ratio shifted +0.23 pp (14.06% → 14.29%).
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
Walled Lake Schools gives up 18 points in total. Member Growth costs the most, 10.7 of its 15; Net Worth Ratio and Return on Assets score full marks.
- 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 |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
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
Similar total assets
Similar health score
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
Frequently Asked Questions
Is Walled Lake Schools financially healthy?
On its 2025Q4 NCUA 5300 filing, Walled Lake Schools scores 82/100 (Excellent), with a 14.29% net worth ratio and 0.59% of loans delinquent. It ranks #2,408 of 4,374 nationally on health and #123 of 171 in Michigan.
How does Walled Lake Schools compare to other credit unions?
Walled Lake Schools scores 82/100, higher than 43% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is net worth ratio (14.29% vs 12.11%). Its widest shortfall is loan-to-share ratio (26.07% vs 72.20%).
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?
Walled Lake Schools is a federal 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. Walled Lake Schools's net worth ratio of 14.29% 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.