State credit union · Saginaw, Michigan · NCUA charter #60057
WILDFIRE
Health score 91/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 91
- Health / 100
- $1.17B
- Total assets
- 49,856
- Members
- 10.9%
- Net-worth ratio
WILDFIRE scores 91/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.17B; members 49,856; net-worth ratio 10.91%; health rank #964 of 4,374; healthier than 77th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#964 of 4,374 health · 2025Q4WILDFIRE · health 91/100 · $1.17B · 2025Q4
- PHOTO 91/100
- BOOK 10.9%
- CHARTER 0.59%
- NCUSIF 0.26%
- CAMELS $1.17B
- HEALTH 49,856
- NW #964/4,374
- DELQ VIBRANT
- ROA 60057
Call Report peers
WILDFIRE in the assets neighbourhood
WILDFIRE's $1.17B assets sit next to VIBRANT ($1.17B) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
WILDFIRE 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
91 Top 23% higher than 77% 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
WILDFIRE - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #60057, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
WILDFIRE: Call Report deltas vs peers
- Delinquency Rate leads the peer set - 0.59% here, 0.87% peer average (-0.28 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -16.56 pp (67.34% vs 83.90%).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where WILDFIRE sits in Michigan
- In Michigan, health place is #40 of 171 on the same NCUA-ratio sort used nationally.
- Michigan assets place: #22 of 171.
- Member book place in Michigan: #33 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.
How WILDFIRE's 5300 filing moved
WILDFIRE: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.5% from $1.17B (2025Q4) to $1.19B (2026Q1).
- Net-worth ratio shifted -0.05 pp (10.96% → 10.91%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 10.91%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 91/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 91.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 24.1 pts
- Return on Assets 11.4 pts
- Member Growth 11.1 pts
- Loan-to-Share Ratio 14.4 pts
Call Report ratios for WILDFIRE
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.91% | -0.27 pp |
| Delinquency Rate | 0.59% | -0.28 pp |
| Return on Assets | 0.26% | -0.25 pp |
| Member Growth | 1.72% | - |
| Loan-to-Share Ratio | 67.34% | -16.56 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
WILDFIRE quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.19B | - |
| 2025Q4 | $1.17B | 49,856 |
| 2024Q4 | $1.11B | 49,014 |
| 2023Q4 | $1.08B | 48,083 |
Credit Union Details
- Charter Number
- 60057
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Michigan
- City
- Saginaw
- Data Quarter
- 2025Q4
Branch Locations (7)
WILDFIRE operates 7 offices across 4 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Wildfire Credit Union (Main Office) | Saginaw, MI |
| Bay City Branch | Bay City, MI |
| John Glenn High School Branch (Restricted Access) | Bay City, MI |
| Midland Branch | Midland, MI |
| Mt. Pleasant Business Services Office | Mount Pleasant, MI |
| Heritage High School Branch (Restricted Access) | Saginaw, MI |
| Saginaw West Branch | Saginaw, 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.
Other-state peers near WILDFIRE
WILDFIRE's nationwide photo peers by assets and by health score, excluding Michigan charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($1.17B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (91/100 here).
Using this data
- WILDFIRE ranks #964 of 4,374 nationally on financial health and #40 of 171 in MI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- LAFCU is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with LAFCU
- 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 WILDFIRE financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, WILDFIRE carries a financial health score of 91/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #964 of 4,374; by total assets it ranks #412 of 4,374 nationally (same basis as /rankings/largest); and #22 of 171 within Michigan. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 10.91% net worth ratio and a 0.59% delinquency rate.
How does WILDFIRE compare to other credit unions?
On PlainCU's health composite, WILDFIRE lands at 91/100, compared to a peer group average for Over $500M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 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 WILDFIRE?
Membership eligibility for WILDFIRE depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact WILDFIRE directly for current membership requirements and application steps.
Is my money safe at WILDFIRE?
Federal credit unions like WILDFIRE 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. WILDFIRE's net worth ratio of 10.91% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does WILDFIRE offer compared to banks?
Credit unions like WILDFIRE 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 WILDFIRE 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.