TellerScore

Auto-Owners Associates Credit Union is a federally insured state-chartered credit union headquartered in Lansing, Michigan, in business for about 78 years. At the end of Q2 2026 it reported $43.8M in total assets and $35.4M in member shares and deposits, with 1 office.

Based on its Q2 2026 filing, Auto-Owners Associates Credit Union scores 96/100, which we describe as very strong. That is higher than 97% of 2,479 credit unions with under $100 million in assets. Among 169 credit unions headquartered in Michigan, it ranks 3rd. Its strongest component is capital cushion (100/100; 18.62%), and its lowest is earnings (89/100; 1.73%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 18.62%
Loan quality92/100
Loans 60+ days delinquent ÷ total loans: 0.25%
Earnings89/100
Return on assets (annualized): 1.73%
Funding & liquidity100/100
Loans ÷ shares: 19.6% · 1.2% uninsured
Problem-loan coverage100/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.21%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 4 points (100 → 96), mostly because the earnings component weakened by 11 points.

TellerScore
9698100Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 2024100
Q3 2024100
Q4 202499
Q1 2025100
Q2 2025100
Q3 2025100
Q4 202597
Q1 202699
Q2 202696
Net worth ratio
7.00%12.95%18.90%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202415.88%
Q3 202417.11%
Q4 202416.80%
Q1 202517.29%
Q2 202517.95%
Q3 202518.90%
Q4 202518.51%
Q1 202618.39%
Q2 202618.62%
Delinquent loans (60+ days)
0.00%0.13%0.25%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.00%
Q3 20240.00%
Q4 20240.00%
Q1 20250.00%
Q2 20250.05%
Q3 20250.06%
Q4 20250.12%
Q1 20260.07%
Q2 20260.25%
Return on assets
1.73%1.97%2.21%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20242.01%
Q3 20242.21%
Q4 20241.92%
Q1 20252.20%
Q2 20252.18%
Q3 20252.14%
Q4 20251.81%
Q1 20261.88%
Q2 20261.73%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202696$43.8M18.62%0.25%1.73%19.6%
Q1 202699$43.4M18.39%0.07%1.88%19.7%
Q4 202597$42.0M18.51%0.12%1.81%20.8%
Q3 2025100$40.6M18.90%0.06%2.14%21.9%
Q2 2025100$41.6M17.95%0.05%2.18%22.3%
Q1 2025100$41.9M17.29%0.00%2.20%21.8%
Q4 202499$41.8M16.80%0.00%1.92%21.4%
Q3 2024100$40.2M17.11%0.00%2.21%22.6%
Q2 2024100$41.8M15.88%0.00%2.01%22.0%

2,479 peers · Under $100 million in assets

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio18.62%
72nd
Problem loans0.25%
71st
Net charge-offs0.50%
27th
Return on assets1.73%
90th
Loans to deposits19.6%
95th
Uninsured deposits1.2%
53rd
Loan-loss reserves0.00%
37th
Texas ratio0.2%
81st

Similar-size credit unions in Michigan

InstitutionScoreAssetsCapitalProblem loansCompare
Manistique Federal Credit UnionCredit union Manistique, MI79 out of 100, Strong$44.2M15.8%1.92%vs
Lakeshore Federal Credit UnionCredit union Muskegon, MI78 out of 100, Strong$45.2M11.9%0.04%vs
Port City Federal Credit UnionCredit union Muskegon, MI80 out of 100, Strong$42.1M12.1%0.04%vs
Chiropractic Federal Credit UnionCredit union Farmington, MI74 out of 100, Strong$41.7M15.0%1.97%vs
Grand Trunk Battle Creek Emp Federal Credit UnionCredit union Battle Creek, MI86 out of 100, Very strong$39.7M20.6%0.72%vs
Gogebic County Federal Credit UnionCredit union Bessemer, MI92 out of 100, Very strong$38.5M17.2%0.89%vs

Deposit insurance

Is my money safe at Auto-Owners Associates Credit Union?

Yes. Auto-Owners Associates Credit Union is a federally insured credit union (NCUA charter #62543). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 1.2% of shares and deposits ($408K) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 18.62%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

Auto-Owners Associates Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Auto-Owners Associates Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
62543
RSSD ID
685694
Primary regulator
State + NCUA
Established
1948
Headquarters
6101 Anacapri Blvd, Lansing, MI 48917
Employees
6

Quick answers

Auto-Owners Associates Credit Union: common questions

Is Auto-Owners Associates Credit Union NCUA insured?

Yes. Auto-Owners Associates Credit Union is a federally insured credit union (NCUA charter #62543). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Auto-Owners Associates Credit Union's TellerScore?

96 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Auto-Owners Associates Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Lansing

InstitutionScoreAssetsCapitalProblem loansCompare
DFCU Financial Credit UnionCredit union Dearborn, MI82 out of 100, Strong$8.0B12.6%0.63%vs
Farm Bureau Family Credit UnionCredit union Lansing, MI81 out of 100, Strong$26.6M12.5%0.64%vs
Consumers Professional Credit UnionCredit union Lansing, MI81 out of 100, Strong$149.7M16.8%1.28%vs
Pfcu Credit UnionCredit union Portland, MI77 out of 100, Strong$873.2M11.3%0.37%vs
Capitol National BankBank Lansing, MI75 out of 100, Strong$209.3M16.7%1.49%vs
Commercial BankBank Ithaca, MI75 out of 100, Strong$552.7M10.9%0.39%vs