State credit union · Grand Rapids, Michigan · NCUA charter #62347
WMCU
Health score 88/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 88
- Health / 100
- $441.9M
- Total assets
- 29,677
- Members
- 17.3%
- Net-worth ratio
WMCU scores 88/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $441.9M; members 29,677; net-worth ratio 17.26%; health rank #1,396 of 4,374; healthier than 65th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#1,396 of 4,374 health · 2025Q4WMCU · health 88/100 · $441.9M · 2025Q4
Call Report peers
WMCU in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
WMCU vs every NCUA-scored credit union
WMCU sits in the busiest band, 85-89, alongside 857 other credit unions.
88 Top 35% higher than 65% 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
Where WMCU diverges from peer averages
- Strongest edge vs 1069 $100M–$500M peers is Net Worth Ratio: +5.15 pp (17.26% vs 12.11%).
- Largest lag: Loan-to-Share Ratio at 59.01% vs peer 72.20% (-13.19 pp).
Where WMCU sits in Michigan
- In Michigan, health place is #63 of 171 on the same NCUA-ratio sort used nationally.
- Michigan assets place: #50 of 171.
- Membership ranks #47 of 171 among Michigan CUs with a reported count (29,677 members).
- One place up in Michigan, SECURITY (#62) scores 89/100, 1 point higher; one place down, TBA (#64) ties at 88/100.
WMCU Call Report trajectory
WMCU: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.6% from $441.9M (2025Q4) to $449.2M (2026Q1).
- Net-worth ratio shifted -0.01 pp (17.27% → 17.26%).
At 17.26%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 88/100 score is built
WMCU gives up 12 points in total. Delinquency Rate costs the most, 9.1 of its 25; Net Worth Ratio and Return on Assets and Member Growth score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 15.9 pts
- Return on Assets 15.0 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 12.1 pts
WMCU health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 17.26% | +5.15 pp |
| Delinquency Rate | 1.55% | +0.66 pp |
| Return on Assets | 1.03% | +0.40 pp |
| Member Growth | 66.37% | - |
| Loan-to-Share Ratio | 59.01% | -13.19 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Call Report history - WMCU
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $449.2M | - |
| 2025Q4 | $441.9M | 29,677 |
| 2024Q4 | $252.3M | 17,838 |
| 2023Q4 | $253.9M | 18,558 |
Credit Union Details
- Charter Number
- 62347
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Michigan
- City
- Grand Rapids
- Data Quarter
- 2025Q4
Branch Locations (14)
WMCU operates 14 offices across 8 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Hall Street (Main Office) | Grand Rapids, MI |
| Big Rapids Lobby | Big Rapids, MI |
| Big Rapids - Drive Thru | Big Rapids, MI |
| Cadillac | Cadillac, MI |
| Coopersville | Coopersville, MI |
| Grand Rapids | Grand Rapids, MI |
| Corporate Administrative Offices | Grand Rapids, MI |
| Grand Rapids | Grand Rapids, MI |
| Creston | Grand Rapids, MI |
| Meadowbrook | Grand Rapids, MI |
| Georgetown | Jenison, MI |
| Manistee Office | Manistee, MI |
| Reed City | Reed City, MI |
| 28th Street | Wyoming, MI |
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.
Nationwide credit unions with similar profiles
Using this data
- WMCU ranks #1,396 of 4,374 nationally on financial health and #63 of 171 in MI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Public Service is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Public Service
Frequently Asked Questions
Is WMCU financially healthy?
On its 2025Q4 NCUA 5300 filing, WMCU scores 88/100 (Excellent), with a 17.26% net worth ratio and 1.55% of loans delinquent. It ranks #1,396 of 4,374 nationally on health and #63 of 171 in Michigan.
How does WMCU compare to other credit unions?
WMCU scores 88/100, higher than 65% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is net worth ratio (17.26% vs 12.11%). Its widest shortfall is loan-to-share ratio (59.01% vs 72.20%).
How can I join WMCU?
Membership eligibility for WMCU depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact WMCU directly for current membership requirements and application steps.
Is my money safe at WMCU?
WMCU is a state-chartered 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. WMCU's net worth ratio of 17.26% 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.