TellerScore

Consumers Professional Credit Union is a federally insured state-chartered credit union headquartered in Lansing, Michigan, in business for about 73 years. At the end of Q2 2026 it reported $149.7M in total assets and $125.5M in member shares and deposits, with 3 offices.

Based on its Q2 2026 filing, Consumers Professional Credit Union scores 81/100, which we describe as strong. That is higher than 80% of 1,341 credit unions with $100 million – $1 billion. Among 169 credit unions headquartered in Michigan, it ranks 40th. Its strongest component is capital cushion (100/100; 16.80%), and its lowest is loan quality (57/100; 1.28%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 16.80%
Loan quality57/100
Loans 60+ days delinquent ÷ total loans: 1.28%
Earnings62/100
Return on assets (annualized): 1.05%
Funding & liquidity100/100
Loans ÷ shares: 48.1% · 10.3% uninsured
Problem-loan coverage94/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 3.08%

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 6 points (87 → 81), mostly because the loan quality component weakened by 22 points.

TellerScore
818792Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202490
Q3 202492
Q4 202492
Q1 202587
Q2 202587
Q3 202588
Q4 202590
Q1 202688
Q2 202681
Net worth ratio
7.00%11.93%16.85%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202415.91%
Q3 202416.41%
Q4 202416.66%
Q1 202516.46%
Q2 202516.64%
Q3 202516.42%
Q4 202516.85%
Q1 202616.72%
Q2 202616.80%
Delinquent loans (60+ days)
0.27%0.78%1.28%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.55%
Q3 20240.34%
Q4 20240.27%
Q1 20250.50%
Q2 20250.64%
Q3 20250.56%
Q4 20250.30%
Q1 20260.55%
Q2 20261.28%
Return on assets
0.93%1.15%1.37%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.36%
Q3 20241.37%
Q4 20241.34%
Q1 20250.93%
Q2 20251.08%
Q3 20251.09%
Q4 20251.09%
Q1 20261.05%
Q2 20261.05%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202681$149.7M16.80%1.28%1.05%48.1%
Q1 202688$148.0M16.72%0.55%1.05%48.8%
Q4 202590$144.6M16.85%0.30%1.09%50.2%
Q3 202588$146.0M16.42%0.56%1.09%50.6%
Q2 202587$141.5M16.64%0.64%1.08%52.6%
Q1 202587$140.4M16.46%0.50%0.93%52.5%
Q4 202492$134.6M16.66%0.27%1.34%56.0%
Q3 202492$134.1M16.41%0.34%1.37%55.8%
Q2 202490$135.5M15.91%0.55%1.36%55.1%

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 ratio16.80%
92nd
Problem loans1.28%
19th
Net charge-offs0.38%
47th
Return on assets1.05%
69th
Loans to deposits48.1%
91st
Uninsured deposits10.3%
16th
Loan-loss reserves0.00%
50th
Texas ratio3.1%
60th

Similar-size credit unions in Michigan

InstitutionScoreAssetsCapitalProblem loansCompare
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
Financialedge Credit UnionCredit union Bay City, MI74 out of 100, Strong$147.2M12.3%0.66%vs
Best Financial Credit UnionCredit union Muskegon, MI63 out of 100, Moderate$154.3M14.8%1.93%vs
Lenco Credit UnionCredit union Adrian, MI82 out of 100, Strong$145.0M12.1%0.21%vs
Ukrainian Selfreliance Michigan Federal Credit UnionCredit union Warren, MI83 out of 100, Strong$140.0M13.5%0.39%vs

Deposit insurance

Is my money safe at Consumers Professional Credit Union?

Yes. Consumers Professional Credit Union is a federally insured credit union (NCUA charter #60947). 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 10.3% of shares and deposits ($12.9M) 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 16.80%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

3 locations

Branches

Consumers Professional Credit Union lists 3 offices in 3 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Consumers Professional Credit Union reported 25 home-loan applications under HMDA (LEI 5493005ORRKI2S5T8912): 24 originated ($3,120,000 total), 1 denied, and 0 withdrawn or closed by the applicant. Its denial rate on decided applications was 4.0%, 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
Consumers Professional Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
60947
RSSD ID
386795
Primary regulator
State + NCUA
Established
1953
Headquarters
525 W Willow St, Lansing, MI 48906
Employees
36

Quick answers

Consumers Professional Credit Union: common questions

Is Consumers Professional Credit Union NCUA insured?

Yes. Consumers Professional Credit Union is a federally insured credit union (NCUA charter #60947). 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 Professional Credit Union's TellerScore?

81 out of 100 (Strong), 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 Professional Credit Union have?

3 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Lansing

InstitutionScoreAssetsCapitalProblem loansCompare
Auto-Owners Associates Credit UnionCredit union Lansing, MI96 out of 100, Very strong$43.8M18.6%0.25%vs
DFCU Financial Credit UnionCredit union Dearborn, MI82 out of 100, Strong$8.0B12.6%0.63%vs
Farm Bureau Family Credit UnionCredit union Lansing, MI81 out of 100, Strong$26.6M12.5%0.64%vs
Pfcu Credit UnionCredit union Portland, MI77 out of 100, Strong$873.2M11.3%0.37%vs
Capitol National BankBank Lansing, MI75 out of 100, Strong$209.3M16.7%1.49%vs
Commercial BankBank Ithaca, MI75 out of 100, Strong$552.7M10.9%0.39%vs