Federal credit union · Warren, Michigan · NCUA charter #7633
Warren Municipal
Health score 83/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 83
- Health / 100
- $20.4M
- Total assets
- 1,320
- Members
- 10.0%
- Net-worth ratio
Warren Municipal scores 83/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $20.4M; members 1,320; net-worth ratio 10.01%; health rank #2,318 of 4,374; healthier than 46th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#2,318 of 4,374 health · 2025Q4Warren Municipal · health 83/100 · $20.4M · 2025Q4
Call Report peers
Warren Municipal in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Warren Municipal vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Warren Municipal sits in 80-84 with 767 others.
83 46th percentile higher than 46% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Warren Municipal: Call Report deltas vs peers
- Delinquency Rate leads the peer set - 0.14% here, 1.15% peer average (-1.01 pp).
- Loan-to-Share Ratio trails the peer set - 52.38% here, 59.80% peer average (-7.42 pp).
Where Warren Municipal sits in Michigan
- Michigan health ordinal: #117 of 171.
- Assets rank #162 of 171 inside Michigan ($20.4M reported).
- Michigan membership ordinal: #162 of 171.
- One place up in Michigan, Michigan Legacy (#116) ties at 83/100; one place down, TRUNORTH (#118) ties at 83/100.
How Warren Municipal's 5300 filing moved
Warren Municipal: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.2% from $20.4M (2025Q4) to $20.8M (2026Q1).
- Net-worth ratio shifted -0.01 pp (10.02% → 10.01%).
10.01% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 83/100 score is built
Warren Municipal gives up 17 points in total. Member Growth costs the most, 13.1 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 1.9 pts
- Loan-to-Share Ratio 11.1 pts
Warren Municipal vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.01% | -4.85 pp |
| Delinquency Rate | 0.14% | -1.01 pp |
| Return on Assets | 1.09% | +0.38 pp |
| Member Growth | -3.93% | - |
| Loan-to-Share Ratio | 52.38% | -7.42 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $20.8M | - |
| 2025Q4 | $20.4M | 1,320 |
| 2024Q4 | $20.6M | 1,374 |
| 2023Q4 | $21.0M | 1,416 |
Credit Union Details
- Charter Number
- 7633
- Type
- Federal
- Field of Membership
- Low Income
- Peer Group
- $10M–$50M
- State
- Michigan
- City
- Warren
- Data Quarter
- 2025Q4
Branch Location
Warren Municipal operates a single office in Warren, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Warren Municipal Federal Credit Union (Main Office) | Warren, 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.
Warren Municipal nationwide neighbourhoods
Using this data
- Warren Municipal ranks #2,318 of 4,374 nationally on financial health and #117 of 171 in MI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Electrical Workers Local 58 is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Electrical Workers Local 58
Frequently Asked Questions
Is Warren Municipal financially healthy?
Warren Municipal has a financial health score of 83/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,318 of 4,374 nationally on health and #117 of 171 in Michigan. Its net worth ratio is 10.01% and its delinquency rate 0.14%.
How does Warren Municipal compare to other credit unions?
Warren Municipal scores 83/100, higher than 46% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is delinquency rate (0.14% vs 1.15%). Its widest shortfall is loan-to-share ratio (52.38% vs 59.80%).
How can I join Warren Municipal?
Warren Municipal carries an NCUA Low-Income Designation, which typically means anyone can join regardless of employer or location, and the credit union is eligible for supplemental capital and secondary capital rules not available to standard charters. Contact Warren Municipal directly to confirm current membership steps.
Is my money safe at Warren Municipal?
Warren Municipal 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. Warren Municipal's net worth ratio of 10.01% 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.