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.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#1,253 of 4,374 health · 2025Q4West Michigan Postal Service · health 89/100 · $7.2M · 2025Q4
- DELQ 89/100
- ROA 12.8%
- ASSETS 0.85%
- MEM 0.82%
- RANK $7.2M
- PHOTO 808
- BOOK #1,253/4,374
- CHARTER n/a
- NCUSIF 7910
Call Report peers
West Michigan Postal Service carries $7.2M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
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
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
89 Top 31% higher than 69% 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
West Michigan Postal Service - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #7910. See our deposit-insurance coverage note.
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%).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for MI only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
West Michigan Postal Service Call Report trajectory
West Michigan Postal Service: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.0% from $7.2M (2025Q4) to $7.3M (2026Q1).
- Net-worth ratio shifted +0.04 pp (12.71% → 12.75%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 89.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
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
Cross-state asset and health neighbours for West Michigan Postal Service - kept outside Michigan; in-state CUs stay in the Nearby block.
Similar health score
Nearest other-state credit unions by five-factor health composite (89/100 here).
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
- 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 West Michigan Postal Service financially healthy?
A 12.75% net worth ratio and a 0.85% delinquency rate feed into West Michigan Postal Service's financial health score of 89/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,253 of 4,374; by total assets it ranks #3,715 of 4,374 nationally (same basis as /rankings/largest); and #169 of 171 within Michigan. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does West Michigan Postal Service compare to other credit unions?
PlainCU's health composite puts West Michigan Postal Service at 89/100, compared to a peer group average for $2M–$10M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), 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 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?
Federal credit unions like West Michigan Postal Service 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. West Michigan Postal Service's net worth ratio of 12.75% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does West Michigan Postal Service offer compared to banks?
Credit unions like West Michigan Postal Service 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 West Michigan Postal Service 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.