TellerScore

Best Financial Credit Union (NCUA charter #62027) is based in Muskegon, Michigan. Its Q2 2026 call report shows $154.3M in total assets and $130.4M in member shares and deposits and 1 office.

Best Financial Credit Union has a TellerScore of 63 out of 100 (moderate) based on Q2 2026 data — higher than only 29% of its 1,341 credit unions with $100 million – $1 billion. Among 169 credit unions headquartered in Michigan, it ranks 144th. Capital cushion contributes the most (98/100, 14.75%); earnings contributes the least (22/100, 0.05%).

TellerScore · Q2 2026

Scorecard

Capital cushion98/100
Net worth ratio: 14.75%
Loan quality36/100
Loans 60+ days delinquent ÷ total loans: 1.93%
Earnings22/100
Return on assets (annualized): 0.05%
Funding & liquidity81/100
Loans ÷ shares: 79.2% · 2.6% uninsured
Problem-loan coverage81/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 9.34%

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 10 points (73 → 63), mostly because the loan quality component weakened by 37 points.

TellerScore
637077Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202477
Q3 202473
Q4 202474
Q1 202576
Q2 202573
Q3 202574
Q4 202568
Q1 202665
Q2 202663
Net worth ratio
7.00%11.71%16.41%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202416.12%
Q3 202416.30%
Q4 202416.41%
Q1 202516.10%
Q2 202516.16%
Q3 202516.22%
Q4 202515.84%
Q1 202614.56%
Q2 202614.75%
Delinquent loans (60+ days)
0.55%1.24%1.93%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.64%
Q3 20240.89%
Q4 20240.67%
Q1 20250.55%
Q2 20250.80%
Q3 20250.79%
Q4 20251.24%
Q1 20261.61%
Q2 20261.93%
Return on assets
-0.04%0.13%0.30%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.30%
Q3 20240.14%
Q4 20240.12%
Q1 20250.15%
Q2 20250.04%
Q3 20250.21%
Q4 2025-0.04%
Q1 20260.02%
Q2 20260.05%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202663$154.3M14.75%1.93%0.05%79.2%
Q1 202665$156.1M14.56%1.61%0.02%79.0%
Q4 202568$143.4M15.84%1.24%-0.04%87.9%
Q3 202574$141.8M16.22%0.79%0.21%88.5%
Q2 202573$141.1M16.16%0.80%0.04%87.3%
Q1 202576$141.8M16.10%0.55%0.15%86.4%
Q4 202474$138.7M16.41%0.67%0.12%90.3%
Q3 202473$139.6M16.30%0.89%0.14%85.1%
Q2 202477$141.5M16.12%0.64%0.30%83.7%

1,341 peers · $100 million – $1 billion

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 ratio14.75%
84th
Problem loans1.93%
7th
Net charge-offs1.03%
9th
Return on assets0.05%
6th
Loans to deposits79.2%
42nd
Uninsured deposits2.6%
86th
Loan-loss reserves0.00%
50th
Texas ratio9.3%
15th

Similar-size credit unions in Michigan

InstitutionScoreAssetsCapitalProblem loansCompare
Consumers Professional Credit UnionCredit union Lansing, MI81 out of 100, Strong$149.7M16.8%1.28%vs
Iron Mountain Kingsford Community Federal Credit UnionCredit union Kingsford, MI96 out of 100, Very strong$149.4M17.9%0.18%vs
Community First Federal Credit UnionCredit union Lakeview, MI45 out of 100, Below average$148.8M8.4%2.02%vs
Wayne-Westland Federal Credit UnionCredit union Westland, MI83 out of 100, Strong$161.2M11.3%0.47%vs
Financialedge Credit UnionCredit union Bay City, MI74 out of 100, Strong$147.2M12.3%0.66%vs
Lenco Credit UnionCredit union Adrian, MI82 out of 100, Strong$145.0M12.1%0.21%vs

Deposit insurance

Is my money safe at Best Financial Credit Union?

Yes. Best Financial Credit Union is a federally insured credit union (NCUA charter #62027). 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 2.6% of shares and deposits ($3.4M) are above the $250,000 NCUA insurance limit, below the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 14.75%, 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

Best Financial Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Best Financial Credit Union reported 52 home-loan applications under HMDA (LEI 254900G3F37LO9XNZA95): 52 originated ($5,490,000 total), 0 denied, and 0 withdrawn or closed by the applicant. Its denial rate on decided applications was 0.0%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Best Financial Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
62027
RSSD ID
742092
Primary regulator
State + NCUA
Established
1955
Headquarters
1888 E Sherman, Muskegon, MI 49444
Employees
45

Quick answers

Best Financial Credit Union: common questions

Is Best Financial Credit Union NCUA insured?

Yes. Best Financial Credit Union is a federally insured credit union (NCUA charter #62027). 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 Best Financial Credit Union's TellerScore?

63 out of 100 (Moderate), 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 Best Financial Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Muskegon

InstitutionScoreAssetsCapitalProblem loansCompare
Aac Credit UnionCredit union Grand Rapids, MI90 out of 100, Very strong$212.4M24.2%0.36%vs
Service 1 Federal Credit UnionCredit union Muskegon, MI89 out of 100, Very strong$198.5M18.6%0.42%vs
Tri-Cities Credit UnionCredit union Grand Haven, MI86 out of 100, Very strong$51.3M13.9%0.05%vs
Wmcu Credit UnionCredit union Grand Rapids, MI84 out of 100, Strong$455.3M17.3%0.92%vs
Port City Federal Credit UnionCredit union Muskegon, MI80 out of 100, Strong$42.1M12.1%0.04%vs
Route 31 Federal Credit UnionCredit union Muskegon, MI79 out of 100, Strong$104.6M13.2%0.41%vs