TellerScore

Headquartered in Lanse, Michigan, Baraga County Federal Credit Union is a federal credit union with $63.1M in total assets and $57.3M in member shares and deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1952.

Based on its Q2 2026 filing, Baraga County Federal Credit Union scores 76/100, which we describe as strong. That is higher than 54% of 2,479 credit unions with under $100 million in assets. Among 169 credit unions headquartered in Michigan, it ranks 67th. Its strongest component is funding & liquidity (100/100; 36% loans-to-deposits, 4% uninsured), and its lowest is capital cushion (55/100; 10.48%).

TellerScore · Q2 2026

Scorecard

Capital cushion55/100
Net worth ratio: 10.48%
Loan quality84/100
Loans 60+ days delinquent ÷ total loans: 0.49%
Earnings69/100
Return on assets (annualized): 1.22%
Funding & liquidity100/100
Loans ÷ shares: 35.5% · 3.8% uninsured
Problem-loan coverage97/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.51%

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 rose 4 points (72 → 76), mostly because the earnings component improved by 24 points.

TellerScore
596877Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202470
Q3 202471
Q4 202473
Q1 202559
Q2 202572
Q3 202575
Q4 202577
Q1 202676
Q2 202676
Net worth ratio
5.92%8.20%10.48%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20249.61%
Q3 20249.61%
Q4 20249.76%
Q1 20255.92%
Q2 20259.72%
Q3 20259.85%
Q4 202510.22%
Q1 202610.25%
Q2 202610.48%
Delinquent loans (60+ days)
0.02%0.25%0.49%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.19%
Q3 20240.10%
Q4 20240.02%
Q1 20250.13%
Q2 20250.10%
Q3 20250.11%
Q4 20250.21%
Q1 20260.35%
Q2 20260.49%
Return on assets
0.39%0.80%1.22%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.50%
Q3 20240.50%
Q4 20240.60%
Q1 20250.39%
Q2 20250.63%
Q3 20250.94%
Q4 20251.16%
Q1 20261.11%
Q2 20261.22%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202676$63.1M10.48%0.49%1.22%35.5%
Q1 202676$62.4M10.25%0.35%1.11%34.4%
Q4 202577$61.0M10.22%0.21%1.16%35.6%
Q3 202575$60.5M9.85%0.11%0.94%37.1%
Q2 202572$59.0M9.72%0.10%0.63%36.3%
Q1 202559$57.8M5.92%0.13%0.39%34.5%
Q4 202473$56.6M9.76%0.02%0.60%36.2%
Q3 202471$56.1M9.61%0.10%0.50%35.8%
Q2 202470$55.4M9.61%0.19%0.50%35.8%

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 ratio10.48%
20th
Problem loans0.49%
59th
Net charge-offs0.24%
44th
Return on assets1.22%
77th
Loans to deposits35.5%
84th
Uninsured deposits3.8%
30th
Loan-loss reserves0.00%
37th
Texas ratio1.5%
58th

Similar-size credit unions in Michigan

InstitutionScoreAssetsCapitalProblem loansCompare
Lincoln Park Community Credit UnionCredit union Lincoln Park, MI87 out of 100, Very strong$63.4M18.0%0.27%vs
One Detroit Credit UnionCredit union Detroit, MI59 out of 100, Moderate$61.8M22.4%1.98%vs
Gratiot Community Credit UnionCredit union Alma, MI71 out of 100, Strong$59.7M9.1%0.32%vs
A.B.D. Federal Credit UnionCredit union Warren, MI68 out of 100, Moderate$66.5M15.1%1.36%vs
Community Focus Federal Credit UnionCredit union Brownstown, MI67 out of 100, Moderate$68.0M14.1%1.52%vs
Tahquamenon Area Credit UnionCredit union Newberry, MI70 out of 100, Strong$69.6M11.8%0.60%vs

Deposit insurance

Is my money safe at Baraga County Federal Credit Union?

Yes. Baraga County Federal Credit Union is a federally insured credit union (NCUA charter #7672). 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 3.8% of shares and deposits ($2.2M) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 10.48%, 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

Baraga County Federal Credit Union lists 1 office in 1 city. Most locations:

  • Lanse, MI (1)

All branch addresses and map

Identity & history

Profile

Legal name
Baraga County Federal Credit Union
Type
Federal credit union
NCUA charter #
7672
RSSD ID
53181
Primary regulator
NCUA
Established
1952
Headquarters
Po Box 38, Lanse, MI 49946
Employees
13

Quick answers

Baraga County Federal Credit Union: common questions

Is Baraga County Federal Credit Union NCUA insured?

Yes. Baraga County Federal Credit Union is a federally insured credit union (NCUA charter #7672). 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 Baraga County Federal Credit Union's TellerScore?

76 out of 100 (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 Baraga County Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Lanse

InstitutionScoreAssetsCapitalProblem loansCompare
Superior National BankBank Hancock, MI73 out of 100, Strong$1.0B11.7%0.65%vs