TellerScore

Chief Financial Federal Credit Union is a federal credit union headquartered in Rochester Hills, Michigan, in business for about 85 years. At the end of Q2 2026 it reported $249.7M in total assets and $223.1M in member shares and deposits, with 4 offices.

Based on its Q2 2026 filing, Chief Financial Federal Credit Union scores 65/100, which we describe as moderate. That is higher than only 34% of 1,341 credit unions with $100 million – $1 billion. Among 169 credit unions headquartered in Michigan, it ranks 136th. Its strongest component is problem-loan coverage (91/100; 4.7%), and its lowest is earnings (45/100; 0.64%).

TellerScore · Q2 2026

Scorecard

Capital cushion49/100
Net worth ratio: 9.89%
Loan quality81/100
Loans 60+ days delinquent ÷ total loans: 0.57%
Earnings45/100
Return on assets (annualized): 0.64%
Funding & liquidity77/100
Loans ÷ shares: 82.9% · 9.8% uninsured
Problem-loan coverage91/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 4.66%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (64 → 65).

TellerScore
606467Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202467
Q3 202467
Q4 202466
Q1 202563
Q2 202564
Q3 202563
Q4 202563
Q1 202660
Q2 202665
Net worth ratio
7.00%9.26%11.52%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202411.32%
Q3 202411.52%
Q4 202411.31%
Q1 20259.96%
Q2 20259.96%
Q3 20259.78%
Q4 20259.74%
Q1 20269.57%
Q2 20269.89%
Delinquent loans (60+ days)
0.36%0.61%0.86%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.36%
Q3 20240.37%
Q4 20240.48%
Q1 20250.38%
Q2 20250.39%
Q3 20250.49%
Q4 20250.49%
Q1 20260.86%
Q2 20260.57%
Return on assets
-0.08%0.28%0.64%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.10%
Q3 20240.09%
Q4 20240.04%
Q1 2025-0.08%
Q2 20250.12%
Q3 20250.22%
Q4 20250.25%
Q1 20260.47%
Q2 20260.64%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202665$249.7M9.89%0.57%0.64%82.9%
Q1 202660$255.5M9.57%0.86%0.47%79.0%
Q4 202563$248.1M9.74%0.49%0.25%79.1%
Q3 202563$244.9M9.78%0.49%0.22%78.2%
Q2 202564$237.8M9.96%0.39%0.12%77.1%
Q1 202563$238.4M9.96%0.38%-0.08%72.3%
Q4 202466$210.4M11.31%0.48%0.04%81.7%
Q3 202467$207.0M11.52%0.37%0.09%81.4%
Q2 202467$210.3M11.32%0.36%0.10%78.8%

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 ratio9.89%
26th
Problem loans0.57%
59th
Net charge-offs0.42%
43rd
Return on assets0.64%
41st
Loans to deposits82.9%
33rd
Uninsured deposits9.8%
18th
Loan-loss reserves0.00%
50th
Texas ratio4.7%
43rd

Similar-size credit unions in Michigan

InstitutionScoreAssetsCapitalProblem loansCompare
Community West Credit UnionCredit union Kentwood, MI66 out of 100, Moderate$252.4M9.3%0.37%vs
Michigan One Community Credit UnionCredit union Ionia, MI68 out of 100, Moderate$240.2M10.2%0.68%vs
Gerber Federal Credit UnionCredit union Fremont, MI67 out of 100, Moderate$259.5M10.2%0.89%vs
Filer Credit UnionCredit union Manistee, MI78 out of 100, Strong$262.4M12.8%0.84%vs
Advantage One Credit UnionCredit union Brownstown, MI71 out of 100, Strong$268.1M11.8%0.84%vs
St. Francis X Federal Credit UnionCredit union Petoskey, MI89 out of 100, Very strong$268.8M13.9%0.11%vs

Deposit insurance

Is my money safe at Chief Financial Federal Credit Union?

Yes. Chief Financial Federal Credit Union is a federally insured credit union (NCUA charter #4271). 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 9.8% of shares and deposits ($21.8M) are above the $250,000 NCUA insurance limit, above the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 9.89%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

4 locations

Branches

Chief Financial Federal Credit Union lists 4 offices in 4 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Chief Financial Federal Credit Union
Type
Federal credit union
NCUA charter #
4271
RSSD ID
48879
Primary regulator
NCUA
Established
1941
Headquarters
200 Diversion St Ste 200, Rochester Hills, MI 48307
Employees
50

Quick answers

Chief Financial Federal Credit Union: common questions

Is Chief Financial Federal Credit Union NCUA insured?

Yes. Chief Financial Federal Credit Union is a federally insured credit union (NCUA charter #4271). 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 Chief Financial Federal Credit Union's TellerScore?

65 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 Chief Financial Federal Credit Union have?

4 offices as of the latest NCUA data.

Nearby

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