Federal credit union · MUSKEGON, Michigan · NCUA charter #7910
West Michigan Postal Service
Health score 89/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 89
- Health / 100
- $7.2M
- Total assets
- 808
- Members
- 12.8%
- Net-worth ratio
West Michigan Postal Service scores 89/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $7.2M; members 808; net-worth ratio 12.75%; health rank #1,253 of 4,374; healthier than 69th of scored peers.
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NCUA 5300 Call Report Masthead
#1,253 of 4,374 health · 2025Q4West Michigan Postal Service · health 89/100 · $7.2M · 2025Q4
Call Report peers
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
West Michigan Postal Service vs every NCUA-scored credit union
West Michigan Postal Service sits in the busiest band, 85-89, alongside 857 other credit unions.
89 Top 31% higher than 69% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
West Michigan Postal Service: Call Report deltas vs peers
- Loan-to-Share Ratio leads the peer set - 78.79% here, 63.60% peer average (+15.19 pp).
- Widest shortfall vs peers is Net Worth Ratio: -6.31 pp (12.75% vs 19.06%).
West Michigan Postal Service in Michigan
- Health composite ranks #56 of 171 among scored Michigan credit unions.
- Assets rank #169 of 171 inside Michigan ($7.2M reported).
- Member book place in Michigan: #169 of 171.
- One place up in Michigan, AWAKON (#55) ties at 89/100; one place down, Dfcu Financial (#57) ties at 89/100.
West Michigan Postal Service Call Report trajectory
West Michigan Postal Service: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.0% from $7.2M (2025Q4) to $7.3M (2026Q1).
- Net-worth ratio shifted +0.04 pp (12.71% → 12.75%).
12.75% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 89/100 score is built
West Michigan Postal Service gives up 11 points in total. Member Growth costs the most, 7.1 of its 15; Net Worth Ratio and Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 21.5 pts
- Return on Assets 15.0 pts
- Member Growth 7.9 pts
- Loan-to-Share Ratio 14.6 pts
Call Report ratios for West Michigan Postal Service
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.75% | -6.31 pp |
| Delinquency Rate | 0.85% | -0.95 pp |
| Return on Assets | 0.82% | +0.37 pp |
| Member Growth | -0.62% | - |
| Loan-to-Share Ratio | 78.79% | +15.19 pp |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $7.3M | - |
| 2025Q4 | $7.2M | 808 |
| 2024Q4 | $6.8M | 813 |
| 2023Q4 | $6.8M | 822 |
Credit Union Details
- Charter Number
- 7910
- Type
- Federal
- Field of Membership
- Low Income
- Peer Group
- $2M–$10M
- State
- Michigan
- City
- MUSKEGON
- Data Quarter
- 2025Q4
Branch Location
West Michigan Postal Service operates a single office in Muskegon, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Main (Main Office) | Muskegon, MI |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Michigan
More federally-insured credit unions based in Michigan, ordered by peer group match and asset size.
Nationwide credit unions with similar profiles
Similar health score
Using this data
- West Michigan Postal Service ranks #1,253 of 4,374 nationally on financial health and #56 of 171 in MI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- WESTACRES is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with WESTACRES
Frequently Asked Questions
Is West Michigan Postal Service financially healthy?
West Michigan Postal Service has a financial health score of 89/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,253 of 4,374 nationally on health and #56 of 171 in Michigan. Its net worth ratio is 12.75% and its delinquency rate 0.85%.
How does West Michigan Postal Service compare to other credit unions?
West Michigan Postal Service scores 89/100, higher than 69% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is loan-to-share ratio (78.79% vs 63.60%). Its widest shortfall is net worth ratio (12.75% vs 19.06%).
How can I join West Michigan Postal Service?
West Michigan Postal Service 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 West Michigan Postal Service directly to confirm current membership steps.
Is my money safe at West Michigan Postal Service?
West Michigan Postal Service 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. West Michigan Postal Service's net worth ratio of 12.75% 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.