TellerScore

Consumers Credit Union (NCUA charter #62172) is based in Oshtemo, Michigan. Its Q2 2026 call report shows $2.9B in total assets and $2.4B in member shares and deposits and 21 offices.

Based on its Q2 2026 filing, Consumers Credit Union scores 65/100, which we describe as moderate. That is higher than only 41% of 454 credit unions with $1 billion – $10 billion. Among 169 credit unions headquartered in Michigan, it ranks 132nd. Its strongest component is problem-loan coverage (91/100; 4.3%), and its lowest is capital cushion (44/100; 9.36%).

TellerScore · Q2 2026

Scorecard

Capital cushion44/100
Net worth ratio: 9.36%
Loan quality87/100
Loans 60+ days delinquent ÷ total loans: 0.40%
Earnings68/100
Return on assets (annualized): 1.21%
Funding & liquidity51/100
Loans ÷ shares: 106.4% · 17.7% uninsured
Problem-loan coverage91/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 4.26%

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 (65 → 65).

TellerScore
636465Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202464
Q3 202463
Q4 202463
Q1 202565
Q2 202565
Q3 202565
Q4 202564
Q1 202665
Q2 202665
Net worth ratio
7.00%8.29%9.59%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20249.30%
Q3 20249.35%
Q4 20249.35%
Q1 20259.32%
Q2 20259.43%
Q3 20259.59%
Q4 20259.42%
Q1 20269.08%
Q2 20269.36%
Delinquent loans (60+ days)
0.11%0.26%0.40%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.22%
Q3 20240.38%
Q4 20240.34%
Q1 20250.11%
Q2 20250.28%
Q3 20250.33%
Q4 20250.40%
Q1 20260.21%
Q2 20260.40%
Return on assets
0.81%1.01%1.21%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.81%
Q3 20240.91%
Q4 20240.90%
Q1 20250.81%
Q2 20251.03%
Q3 20251.10%
Q4 20251.07%
Q1 20260.94%
Q2 20261.21%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202665$2.9B9.36%0.40%1.21%106.4%
Q1 202665$2.9B9.08%0.21%0.94%100.7%
Q4 202564$2.7B9.42%0.40%1.07%107.3%
Q3 202565$2.6B9.59%0.33%1.10%109.8%
Q2 202565$2.5B9.43%0.28%1.03%108.8%
Q1 202565$2.5B9.32%0.11%0.81%106.8%
Q4 202463$2.4B9.35%0.34%0.90%108.8%
Q3 202463$2.4B9.35%0.38%0.91%109.0%
Q2 202464$2.3B9.30%0.22%0.81%109.1%

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 ratio9.36%
17th
Problem loans0.40%
80th
Net charge-offs0.24%
82nd
Return on assets1.21%
81st
Loans to deposits106.4%
4th
Uninsured deposits17.7%
7th
Loan-loss reserves0.00%
50th
Texas ratio4.3%
56th

Similar-size credit unions in Michigan

InstitutionScoreAssetsCapitalProblem loansCompare
Lake Trust Credit UnionCredit union Brighton, MI62 out of 100, Moderate$2.9B10.8%1.06%vs
Dow Credit UnionCredit union Midland, MI73 out of 100, Strong$2.6B10.1%0.29%vs
Elga Credit UnionCredit union Grand Blanc, MI75 out of 100, Strong$2.5B17.8%1.38%vs
Dort Financial Credit UnionCredit union Grand Blanc, MI64 out of 100, Moderate$2.4B10.4%0.57%vs
Community Choice Credit UnionCredit union Farmington Hill, MI67 out of 100, Moderate$2.1B9.5%0.75%vs
Honor Credit UnionCredit union Berrien Springs, MI70 out of 100, Strong$1.9B12.2%0.92%vs

Deposit insurance

Is my money safe at Consumers Credit Union?

Yes. Consumers Credit Union is a federally insured credit union (NCUA charter #62172). 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 17.7% of shares and deposits ($418.2M) 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 9.36%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

21 locations

Branches

Consumers Credit Union lists 21 offices in 13 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Consumers Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
62172
RSSD ID
186098
Primary regulator
State + NCUA
Established
1964
Headquarters
P.O. Box 525, Oshtemo, MI 49077
Employees
503

Quick answers

Consumers Credit Union: common questions

Is Consumers Credit Union NCUA insured?

Yes. Consumers Credit Union is a federally insured credit union (NCUA charter #62172). 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 Consumers 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 Consumers Credit Union have?

21 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Oshtemo

InstitutionScoreAssetsCapitalProblem loansCompare
Omni Community Credit UnionCredit union Battle Creek, MI90 out of 100, Very strong$662.0M16.3%0.75%vs
Kellogg Community Credit UnionCredit union Battle Creek, MI88 out of 100, Very strong$1.0B16.7%0.41%vs
Preferred Credit UnionCredit union Grand Rapids, MI87 out of 100, Very strong$318.1M14.3%0.37%vs
Kalamazoo County State BankBank Schoolcraft, MI77 out of 100, Strong$118.4M12.1%0.33%vs
1st Source BankBank South Bend, IN75 out of 100, Strong$9.3B13.7%0.99%vs
United Bank of MichiganBank Grand Rapids, MI74 out of 100, Strong$1.1B10.6%0.06%vs