State overview · Q4 2025

Michigan Credit Unions

All 171 federally-insured credit unions in Michigan, ranked by financial health, from NCUA 5300 Call Reports.

171
Credit unions
6.1M
Members
$115.4B
Combined assets
85/100
Avg health
171 CUs · avg health 85/100

Michigan has 171 federally insured credit unions averaging 85/100 health on NCUA 5300 Call Report aggregates. Combined assets $115.4B; 141 score Excellent (80+). State leader: Christian Financial at 99/100.

  • Mean delinquency rank #14 of 52 (lower DQ better)
  • Mean ROA rank #5 of 52
  • Data vintage 2026-09-06

Michigan vs all states by credit-union count

Where this state's federally insured CU count sits among every state and D.C. on PlainCU

171 7th of 54 higher than 47 of 54 states

States and D.C., banded by federally insured credit-union count

Each bar is a band; taller bars hold more states. 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 · Q4 2025

Health-score distribution

How Michigan's 171 credit unions split across the four health bands. Source: NCUA 5300 Call Report, Q4 2025.

Excellent (80–100)141 CUsGood (60–79)27 CUsFair (40–59)3 CUsWeak (<40)0 CUs

Michigan Call Report quality, low mean delinquency cohort

Mean NCUA 5300 ratios across 171 federally insured credit unions in Michigan, plus national ordinals among 52 jurisdictions with ≥5 scored charters. Registry figures only, not advice on where to bank.

Mean delinquency
0.91%
National rank #14 of 52 · lower DQ better
Mean ROA
0.85%
National rank #5 of 52
Mean loan-to-share
67.1%
Mean net worth 12.6% · well-capitalized (≥7%) 100.0%
Largest CU share of state assets
13.8%
Dispersed book, largest charter holds under 25% of combined Michigan CU assets · concentration rank #8 of 52 (lower share = more dispersed) · largest by assets on this board: Lake Michigan

A national sample of U.S. jurisdictions' credit-union sectors, positioned by mean net worth ratio (capital cushion) against mean delinquency rate (asset quality). Michigan is highlighted. The crosshair splits states at the MEDIAN net worth ratio (14.0%) and the median delinquency rate (1.20%) computed across all 52 scored jurisdictions, not just the 30 plotted here, and not a simple midpoint of the range.

Michigan vs. a national sample of states' credit-union sectors

Mean net worth ratio and mean delinquency rate for federally insured credit unions, a sample of 30 of 52 scored U.S. jurisdictions, Michigan highlighted. 2×2 strategic matrix plotting 30 entities by Net worth ratio (X) and Delinquency rate (Y), with a crosshair dividing the plot into four quadrants. Capitalized but RiskyWeakest PositionStrongest PositionLean but Clean 10%12%14%16%18% 0%0.5%1%1.5%2%2.5% Net worth ratio Delinquency rate Michigan vs. a national sample of states' credit-union sectors AL - 16.25%, 1.743%AK - 11.69%, 0.876%AR - 16.34%, 1.809%CO - 11.98%, 1.045%DE - 15.7%, 1.799%DC - 14.99%, 2.364%GA - 15.97%, 1.181%ID - 11.55%, 0.89%IN - 14.73%, 1.306%IA - 15.09%, 1.429%KY - 14.12%, 1.121%ME - 11.58%, 0.818%MA - 14.25%, 0.901%MN - 13.98%, 0.886%MO - 11.87%, 1.299%NE - 13.77%, 1.06%NH - 11.15%, 0.746%NJ - 16.56%, 1.74%NY - 14.23%, 1.635%ND - 15.1%, 0.95%OK - 13.44%, 1.238%OR - 13.17%, 1.122%RI - 12.53%, 0.533%SD - 12.58%, 0.791%TX - 15.62%, 1.279%VI - 15.23%, 1.532%VT - 11.83%, 1.399%WA - 12.92%, 0.882%WI - 13.48%, 1.468%MI - 12.62%, 0.909%
Mean net worth ratio and mean delinquency rate for federally insured credit unions, a sample of 30 of 52 scored U.S. jurisdictions, Michigan highlighted.

All Credit Unions in Michigan

Credit Union Health
Christian Financial Sterling Height 99
Soo Co-Op Sault Sainte Ma 99
Lake Michigan Grand Rapids 97
Monroe Community Monroe 96
PFCU Portland 96
AAC Grand Rapids 95
Alliance Catholic Farmington Hill 95
BREAKWATER HOUGHTON 95
FILER Manistee 95
FRANKENMUTH Frankenmuth 95
H.P.C. ALPENA 95
Kellogg Community BATTLE CREEK 95
LENCO Adrian 95
Michigan United Auburn Hills 95
SETTLERS BRUCE CROSSING 95
Alpena-Alcona Area Alpena 94
Baraga County LANSE 94
HARBORLIGHT WHITEHALL 94
St. Francis X Petoskey 94
THORNAPPLE Hastings 94
Tlc Community Adrian 94
ADVENTURE Grand Rapids 93
Farm Bureau Family LANSING 93
Lake Superior ONTONAGON 93
Michigan Schools and Government Clinton Townshi 93
Northland Area Alpena 93
Dort Financial GRAND BLANC 92
EMBERS Marquette 92
Financial Plus Flint 92
Forest Area Fife Lake 92
GENISYS AUBURN HILLS 92
KALSEE Kalamazoo 92
MEIJER GRAND RAPIDS 92
Omni Community Battle Creek 92
United Financial Saginaw 92
ADVIA Kalamazoo 91
CIRCLE Niles 91
Credit Union One Ferndale 91
DOW Midland 91
Dowagiac Area DOWAGIAC 91
Gratiot Community Alma 91
I.M. Detroit District DETROIT 91
Kenowa Community WYOMING 91
Lincoln Park Community Lincoln Park 91
LOC Farmington 91
People Driven Southfield 91
WILDFIRE Saginaw 91
CONSUMERS Oshtemo 90
OUR Royal Oak 90
Service 1 Muskegon 90
AWAKON ONAWAY 89
Dfcu Financial Dearborn 89
GERBER Fremont 89
Gr Consumers Wyoming 89
JOURNEY SAINT JOHNS 89
Marquette Community Marquette 89
Michigan One Community Ionia 89
MUSKEGON MUSKEGON 89
PREFERRED Grand Rapids 89
SECURITY GRAND BLANC 89
TRI-CITIES Grand Haven 89
West Michigan Postal Service MUSKEGON 89
Chief Financial Rochester Hills 88
Family Financial Norton Shores 88
JOLT SAGINAW 88
PENINSULA Escanaba 88
River Valley Ada 88
Route 31 Muskegon 88
TBA TRAVERSE CITY 88
Ukrainian Selfreliance Michigan Warren 88
UNITED St Joseph 88
WMCU Grand Rapids 88
AEROQUIP JACKSON 87
Community Choice Farmington Hill 87
Cornerstone Community Financial Auburn Hills 87
ELGA Grand Blanc 87
FINANCIALEDGE Bay City 87
Freestar Financial Mount Clemens 87
Isabella Community MT Pleasant 87
LAKESHORE Muskegon 87
MANISTIQUE MANISTIQUE 87
Marshall Community Marshall 87
Traverse Catholic TRAVERSE CITY 87
University of Michigan Ann Arbor 87
Advantage One Brownstown 86
Alpena Community Alpena 86
Auto-Owners Associates LANSING 86
COMPASS Sparta 86
Health Advantage SAGINAW 86
Michigan Columbus Livonia 86
Team One SAGINAW 86
WAYNE-WESTLAND Westland 86
Wolverine State Alpena 86
Blue Water PORT HURON 85
Consumers Professional LANSING 85
EXTRA WARREN 85
HONOR BERRIEN SPRINGS 85
Lake Trust Brighton 85
Members First Midland 85
SOVITA Flint 85
VIBE Novi 85
Arbor Financial KALAMAZOO 84
Community First LAKEVIEW 84
CONSTRUCTION BINGHAM FARMS 84
INTANDEM Grand Rapids 84
Iron Mountain Kingsford Community KINGSFORD 84
LAFCU LANSING 84
Limestone Financial Manistique 84 †
Michigan Educational Plymouth 84
Public Service Romulus 84
Detour Drummond Community DRUMMOND ISLAND 83
Michigan Legacy Wyandotte 83
PARDA Auburn Hills 83
POLISH-AMERICAN Troy 83
Rock Community Rock 83
Safe Harbor Ludington 83
South Central JACKSON 83
TRUNORTH Ishpeming 83
U.P. State Escanaba 83
Warren Municipal Warren 83
Flagship Community Port Huron 82
Gogebic County BESSEMER 82
GRACO Alma 82
Great Lakes First ESCANABA 82
Northwest Consumers TRAVERSE CITY 82
True Community Jackson 82
Walled Lake Schools Wolverine Lake 82
American 1 JACKSON 81
CASE Lansing 81
CHIROPRACTIC FARMINGTON 81
Diversified Members Detroit 81
Michigan First Lathrup Village 81
North Central Area Houghton Lake 81
Port City MUSKEGON 81
ZEAL Livonia 81
Great Lakes Bay City 80
IGNITE Battle Creek 80
Integra First Powers 80
Northern Lights Community Chatham 80
Sunrise Family Bay City 80
United Bay Community Bay City 80
Electrical Workers Local 58 DETROIT 79
The Local Sterling Height 79
Total Community TAYLOR 79
Downriver Community Ecorse 78
Wexford Community Cadillac 78
4FRONT Traverse City 77
Shore to Shore Community Trenton 77
Community Financial PLYMOUTH 76
Community Focus Brownstown 76
WESTACRES WEST BLOOMFIELD 76
Community West Kentwood 75
Country Heritage BUCHANAN 75
Frankfort Community FRANKFORT 75
Michigan State University East Lansing 75
A.B.D. WARREN 73
Grand Trunk Battle Creek Emp BATTLE CREEK 73
Best Financial MUSKEGON 72
Lake Huron Saginaw 72
Straits Area Cheboygan 71
United Churches Taylor 71
Tahquamenon Area Newberry 69
Montcalm Public Employees EDMORE 68
One Detroit Detroit 68
Family First SAGINAW 64
International Uaw DETROIT 64
First Area SAGINAW 61
TANDEM Warren 61
Muskegon St Joseph MUSKEGON 58
Michigan Coastal Muskegon 53
Southeast Michigan State Employees West Bloomfield 53

† Score computed from fewer than five NCUA-reported metrics for this credit union (one or more figures unavailable this quarter); the remaining pillar weights are renormalized so the composite stays on the same 0-100 scale. See methodology.

Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.

What This Data Says About Credit Unions in Michigan

Michigan is home to 171 federally-insured credit unions collectively serving 6.1M members with $115.4B in combined assets, based on the most recent NCUA 5300 Call Report (Q4 2025). The state's average health score of 85/100 reflects the blended performance of every charter operating within its borders, state-chartered, federally-chartered, community, employer-based, and multi-SEG credit unions alike. Christian Financial of Sterling Height currently leads the cohort with a health score of 99/100, while the full distribution spans 171 institutions ranked below.

The health distribution breaks into four bands: 141 credit unions score 80–100 (Excellent), 27 score 60–79 (Good), 3 score 40–59 (Fair), and 0 fall below 40 (Weak). These scores are a weighted composite of five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), year-over-year member growth (15%), and loan-to-share ratio (15%). A small number of institutions above (marked †) are missing one or more of these inputs this quarter; their composite is renormalized over the pillars actually reported, on the same 0–100 scale. A score in the Excellent band typically indicates a net worth ratio comfortably above the 7.0% NCUA "well capitalized" floor, sub-1% delinquency, positive ROA, and a loan-to-share ratio inside the 60–80% balanced-liquidity window. Fair and Weak institutions are not necessarily in distress, NCUA supervises all federally-insured credit unions through CAMEL ratings and Prompt Corrective Action triggers, but the composite signals where financial buffers are thinner than peers.

Every credit union on this page carries NCUSIF deposit insurance up to $250,000 per depositor per ownership category, administered by the National Credit Union Administration, identical coverage to FDIC insurance at banks. Membership eligibility varies by charter: community charters serve anyone living, working, worshiping, or attending school in a defined geography, while employer-based and associational charters require a specific common bond. Rates, fees, and product offerings also vary widely across Michigan's 171 institutions, so prospective members should verify current terms directly with each credit union before opening accounts or applying for loans. This page is informational only, reflects quarterly reported NCUA data (not real-time financials), and is not financial advice or a solicitation to join any specific institution.

Nationwide states with similar credit-union assets or inventory

Two NCUA Call Report peer sets for Michigan: nearest jurisdictions by combined federally-insured credit-union assets and by credit-union count. These are cross-state neighborhoods, not the in-state CU list above.

Similar combined assets

Nearest states by total credit-union assets ($115.4B here).

Florida $121.1B New York $131.2B Washington $94.0B North Carolina $89.7B

Similar credit-union inventory

Nearest states by federally-insured credit-union count (171 here).

Illinois 192 CUs Ohio 196 CUs Louisiana 138 CUs New Jersey 127 CUs

Frequently Asked Questions

How many credit unions are in Michigan?

There are 171 federally-insured credit unions in Michigan as of Q4 2025, with a combined 6.1M members and $115.4B in total assets. That places Michigan at #6 of 54 among U.S. jurisdictions by combined credit-union assets. On average health score, Michigan ranks #11 of 54. All data is sourced from the NCUA 5300 Call Report.

What is the healthiest credit union in Michigan?

Based on NCUA Q4 2025 data, Christian Financial in Sterling Height ranks highest in Michigan with a health score of 99/100. Health scores combine net worth ratio, delinquency rate, return on assets, member growth, and loan-to-share ratio.

Are credit unions safer than banks?

Credit unions are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per account, the same insurance limit as FDIC-insured banks. Credit unions are member-owned nonprofits, which means profits are returned to members as lower fees and better rates rather than to shareholders. Both institution types offer equivalent deposit protection.

Using Michigan's data

  • Christian Financial in Sterling Height is the healthiest scored credit union in Michigan at 99/100 -- look up its full composite before assuming it fits your situation. View full profile
  • Michigan's credit unions rank #14 of 52 nationally on delinquency rate (among the lowest) and #5 of 52 on return on assets (among the strongest) -- both factor into the health score above, but they can move independently. National health rankings
  • Michigan ranks #11 of 54 by average health score and #6 of 54 by combined credit-union assets among U.S. states -- see how other states compare before assuming this one is typical. State overviews

Figures are composite scores and averages built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.

Read our methodology - how this data is sourced, computed, and verified.