TellerScore

Headquartered in Farmington Hill, Michigan, Community Choice Credit Union is a federally insured state-chartered credit union with $2.1B in total assets and $1.8B in member shares and deposits as of Q2 2026. It operates 14 offices. Its charter dates back to 1935.

Based on its Q2 2026 filing, Community Choice Credit Union scores 67/100, which we describe as moderate. That is higher than only 47% of 454 credit unions with $1 billion – $10 billion. Among 169 credit unions headquartered in Michigan, it ranks 119th. Its strongest component is problem-loan coverage (87/100; 6.3%), and its lowest is capital cushion (45/100; 9.52%).

TellerScore · Q2 2026

Scorecard

Capital cushion45/100
Net worth ratio: 9.52%
Loan quality75/100
Loans 60+ days delinquent ÷ total loans: 0.75%
Earnings74/100
Return on assets (annualized): 1.35%
Funding & liquidity72/100
Loans ÷ shares: 87.3% · 15.3% uninsured
Problem-loan coverage87/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 6.35%

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 7 points (60 → 67), mostly because the earnings component improved by 29 points.

TellerScore
566267Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202462
Q3 202457
Q4 202456
Q1 202562
Q2 202560
Q3 202558
Q4 202561
Q1 202666
Q2 202667
Net worth ratio
7.00%8.26%9.52%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20249.25%
Q3 20249.18%
Q4 20249.26%
Q1 20259.17%
Q2 20259.10%
Q3 20259.09%
Q4 20259.26%
Q1 20269.36%
Q2 20269.52%
Delinquent loans (60+ days)
0.47%0.64%0.82%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.47%
Q3 20240.66%
Q4 20240.82%
Q1 20250.48%
Q2 20250.59%
Q3 20250.81%
Q4 20250.70%
Q1 20260.81%
Q2 20260.75%
Return on assets
0.28%0.84%1.40%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.46%
Q3 20240.28%
Q4 20240.36%
Q1 20250.62%
Q2 20250.62%
Q3 20250.64%
Q4 20250.80%
Q1 20261.40%
Q2 20261.35%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202667$2.1B9.52%0.75%1.35%87.3%
Q1 202666$2.1B9.36%0.81%1.40%87.2%
Q4 202561$2.0B9.26%0.70%0.80%93.0%
Q3 202558$2.0B9.09%0.81%0.64%94.0%
Q2 202560$1.9B9.10%0.59%0.62%91.9%
Q1 202562$1.9B9.17%0.48%0.62%92.7%
Q4 202456$1.8B9.26%0.82%0.36%95.8%
Q3 202457$1.8B9.18%0.66%0.28%92.5%
Q2 202462$1.8B9.25%0.47%0.46%88.4%

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).

Capital ratio9.52%
20th
Problem loans0.75%
43rd
Net charge-offs0.62%
36th
Return on assets1.35%
86th
Loans to deposits87.3%
53rd
Uninsured deposits15.3%
13th
Loan-loss reserves0.00%
50th
Texas ratio6.3%
34th

Similar-size credit unions in Michigan

InstitutionScoreAssetsCapitalProblem loansCompare
Honor Credit UnionCredit union Berrien Springs, MI70 out of 100, Strong$1.9B12.2%0.92%vs
Credit Union OneCredit union Ferndale, MI76 out of 100, Strong$1.8B11.6%0.42%vs
Dort Financial Credit UnionCredit union Grand Blanc, MI64 out of 100, Moderate$2.4B10.4%0.57%vs
Elga Credit UnionCredit union Grand Blanc, MI75 out of 100, Strong$2.5B17.8%1.38%vs
Financial Plus Credit UnionCredit union Flint, MI72 out of 100, Strong$1.7B11.7%0.48%vs
Dow Credit UnionCredit union Midland, MI73 out of 100, Strong$2.6B10.1%0.29%vs

Deposit insurance

Is my money safe at Community Choice Credit Union?

Yes. Community Choice Credit Union is a federally insured credit union (NCUA charter #64880). 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 15.3% of shares and deposits ($278.6M) are above the $250,000 NCUA insurance limit, above the peer median of 9%. Insured balances are protected regardless of the score.

The net worth ratio is 9.52%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

14 locations

Branches

Community Choice Credit Union lists 14 offices in 13 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Community Choice Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
64880
RSSD ID
1008991
Primary regulator
State + NCUA
Established
1935
Headquarters
31155 Northwestern Hwy, Farmington Hill, MI 48334
Employees
442

Quick answers

Community Choice Credit Union: common questions

Is Community Choice Credit Union NCUA insured?

Yes. Community Choice Credit Union is a federally insured credit union (NCUA charter #64880). 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 Community Choice Credit Union's TellerScore?

67 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 Community Choice Credit Union have?

14 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Farmington Hill

InstitutionScoreAssetsCapitalProblem loansCompare
Total Community Credit UnionCredit union Taylor, MI97 out of 100, Very strong$111.3M15.3%0.36%vs
JPMorgan Chase Bank, DearbornBank Dearborn, MI94 out of 100, Very strong$71.5M99.6%0.00%vs
I.M. Detroit District Credit UnionCredit union Detroit, MI93 out of 100, Very strong$1.9M28.1%0.00%vs
The Local Credit UnionCredit union Sterling Height, MI92 out of 100, Very strong$106.6M16.1%0.26%vs
Electrical Workers Local 58 Credit UnionCredit union Detroit, MI90 out of 100, Very strong$21.4M12.2%0.09%vs
Jessop Community Federal Credit UnionCredit union Washington, PA87 out of 100, Very strong$34.1M13.8%0.38%vs