Headquartered in Sterling Height, Michigan, Christian Financial Credit Union is a federally insured state-chartered credit union with $1.1B in total assets and $984.0M in member shares and deposits as of Q2 2026. It operates 11 offices. Its charter dates back to 1967.
Based on its Q2 2026 filing, Christian Financial Credit Union scores 66/100, which we describe as moderate. That is higher than only 44% of 454 credit unions with $1 billion – $10 billion. Among 169 credit unions headquartered in Michigan, it ranks 126th. Its strongest component is problem-loan coverage (93/100; 3.5%), and its lowest is earnings (48/100; 0.70%).
TellerScore · Q2 2026
Scorecard
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 2 points (68 → 66), mostly because the capital cushion component weakened by 4 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 71 |
| Q3 2024 | 72 |
| Q4 2024 | 70 |
| Q1 2025 | 67 |
| Q2 2025 | 68 |
| Q3 2025 | 67 |
| Q4 2025 | 67 |
| Q1 2026 | 68 |
| Q2 2026 | 66 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 10.63% |
| Q3 2024 | 10.62% |
| Q4 2024 | 10.40% |
| Q1 2025 | 10.27% |
| Q2 2025 | 10.34% |
| Q3 2025 | 10.02% |
| Q4 2025 | 9.86% |
| Q1 2026 | 9.76% |
| Q2 2026 | 9.93% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.18% |
| Q3 2024 | 0.25% |
| Q4 2024 | 0.31% |
| Q1 2025 | 0.33% |
| Q2 2025 | 0.33% |
| Q3 2025 | 0.29% |
| Q4 2025 | 0.31% |
| Q1 2026 | 0.22% |
| Q2 2026 | 0.46% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.72% |
| Q3 2024 | 0.85% |
| Q4 2024 | 0.75% |
| Q1 2025 | 0.51% |
| Q2 2025 | 0.61% |
| Q3 2025 | 0.56% |
| Q4 2025 | 0.57% |
| Q1 2026 | 0.57% |
| Q2 2026 | 0.70% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 66 | $1.1B | 9.93% | 0.46% | 0.70% | 83.0% |
| Q1 2026 | 68 | $1.1B | 9.76% | 0.22% | 0.57% | 80.9% |
| Q4 2025 | 67 | $1.1B | 9.86% | 0.31% | 0.57% | 81.7% |
| Q3 2025 | 67 | $1.1B | 10.02% | 0.29% | 0.56% | 84.0% |
| Q2 2025 | 68 | $933.7M | 10.34% | 0.33% | 0.61% | 85.4% |
| Q1 2025 | 67 | $924.0M | 10.27% | 0.33% | 0.51% | 83.6% |
| Q4 2024 | 70 | $901.3M | 10.40% | 0.31% | 0.75% | 83.9% |
| Q3 2024 | 72 | $876.1M | 10.62% | 0.25% | 0.85% | 84.0% |
| Q2 2024 | 71 | $852.5M | 10.63% | 0.18% | 0.72% | 82.9% |
454 peers · $1 billion – $10 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).
Similar-size credit unions in Michigan
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Michigan Educational Credit UnionCredit union Plymouth, MI | 75 out of 100, Strong | $1.1B | 11.7% | 0.29% | vs |
| Lafcu Credit UnionCredit union Lansing, MI | 72 out of 100, Strong | $1.1B | 20.7% | 1.24% | vs |
| Zeal Credit UnionCredit union Livonia, MI | 83 out of 100, Strong | $1.1B | 19.8% | 1.50% | vs |
| 4front Credit UnionCredit union Traverse City, MI | 54 out of 100, Below average | $1.0B | 10.2% | 1.73% | vs |
| Wildfire Credit UnionCredit union Saginaw, MI | 70 out of 100, Strong | $1.2B | 10.9% | 0.60% | vs |
| Kellogg Community Credit UnionCredit union Battle Creek, MI | 88 out of 100, Very strong | $1.0B | 16.7% | 0.41% | vs |
Deposit insurance
Is my money safe at Christian Financial Credit Union?
Yes. Christian Financial Credit Union is a federally insured credit union (NCUA charter #63805). 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 4.0% of shares and deposits ($39.3M) are above the $250,000 NCUA insurance limit, below the peer median of 9%. Insured balances are protected regardless of the score.
The net worth ratio is 9.93%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.
11 locations
Branches
Christian Financial Credit Union lists 11 offices in 10 cities. Most locations:
- Sterling Heights, MI (2)
- Center Line, MI (1)
- Chesterfield, MI (1)
- Clinton Township, MI (1)
- Harper Woods, MI (1)
- Livonia, MI (1)
- Novi, MI (1)
- Plymouth, MI (1)
- Saint Clair Shores, MI (1)
- Shelby Township, MI (1)
HMDA 2025
Mortgage lending
In 2025, Christian Financial Credit Union reported 471 home-loan applications under HMDA (LEI 254900PE3F2ADLAJRQ97): 250 originated ($13,310,000 total), 145 denied, and 76 withdrawn or closed by the applicant. Its denial rate on decided applications was 36.7%, 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
- Christian Financial Credit Union
- Type
- Federally insured state-chartered credit union
- NCUA charter #
- 63805
- RSSD ID
- 902999
- Primary regulator
- State + NCUA
- Established
- 1967
- Headquarters
- 35100 Van Dyke Ave, Sterling Height, MI 48312
- Employees
- 199
Quick answers
Christian Financial Credit Union: common questions
Is Christian Financial Credit Union NCUA insured?
Yes. Christian Financial Credit Union is a federally insured credit union (NCUA charter #63805). 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 Christian Financial Credit Union's TellerScore?
66 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 Christian Financial Credit Union have?
11 offices as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Sterling Height
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| JPMorgan Chase Bank, DearbornBank Dearborn, MI | 94 out of 100, Very strong | $71.5M | 99.6% | 0.00% | vs |
| I.M. Detroit District Credit UnionCredit union Detroit, MI | 93 out of 100, Very strong | $1.9M | 28.1% | 0.00% | vs |
| The Local Credit UnionCredit union Sterling Height, MI | 92 out of 100, Very strong | $106.6M | 16.1% | 0.26% | vs |
| Electrical Workers Local 58 Credit UnionCredit union Detroit, MI | 90 out of 100, Very strong | $21.4M | 12.2% | 0.09% | vs |
| Jessop Community Federal Credit UnionCredit union Washington, PA | 87 out of 100, Very strong | $34.1M | 13.8% | 0.38% | vs |
| Cha-Tel Federal Credit UnionCredit union Charleston, WV | 86 out of 100, Very strong | $11.5M | 13.6% | 0.04% | vs |