TellerScore

Diversified Members Credit Union (NCUA charter #62339) is based in Detroit, Michigan. Its Q2 2026 call report shows $588.5M in total assets and $455.6M in member shares and deposits and 3 offices.

Diversified Members Credit Union has a TellerScore of 67 out of 100 (moderate) based on Q2 2026 data — higher than only 41% of its 1,341 credit unions with $100 million – $1 billion. Among 169 credit unions headquartered in Michigan, it ranks 121st. Capital cushion contributes the most (97/100, 14.71%); earnings contributes the least (22/100, 0.05%).

TellerScore · Q2 2026

Scorecard

Capital cushion97/100
Net worth ratio: 14.71%
Loan quality42/100
Loans 60+ days delinquent ÷ total loans: 1.73%
Earnings22/100
Return on assets (annualized): 0.05%
Funding & liquidity96/100
Loans ÷ shares: 57.5% · 18.5% uninsured
Problem-loan coverage89/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 5.48%

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 8 points (75 → 67), mostly because the loan quality component weakened by 18 points.

TellerScore
677277Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202476
Q3 202477
Q4 202475
Q1 202576
Q2 202575
Q3 202572
Q4 202571
Q1 202668
Q2 202667
Net worth ratio
7.00%12.12%17.23%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202417.16%
Q3 202417.23%
Q4 202416.81%
Q1 202515.99%
Q2 202515.25%
Q3 202515.04%
Q4 202514.86%
Q1 202614.50%
Q2 202614.71%
Delinquent loans (60+ days)
1.03%1.42%1.81%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.06%
Q3 20241.03%
Q4 20241.24%
Q1 20251.08%
Q2 20251.19%
Q3 20251.75%
Q4 20251.81%
Q1 20261.53%
Q2 20261.73%
Return on assets
0.00%0.25%0.51%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.40%
Q3 20240.39%
Q4 20240.34%
Q1 20250.30%
Q2 20250.39%
Q3 20250.51%
Q4 20250.46%
Q1 20260.00%
Q2 20260.05%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202667$588.5M14.71%1.73%0.05%57.5%
Q1 202668$595.5M14.50%1.53%0.00%57.8%
Q4 202571$581.0M14.86%1.81%0.46%61.3%
Q3 202572$571.2M15.04%1.75%0.51%62.6%
Q2 202575$556.2M15.25%1.19%0.39%65.7%
Q1 202576$526.0M15.99%1.08%0.30%64.5%
Q4 202475$498.2M16.81%1.24%0.34%65.7%
Q3 202477$485.2M17.23%1.03%0.39%68.8%
Q2 202476$484.7M17.16%1.06%0.40%69.4%

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 ratio14.71%
84th
Problem loans1.73%
9th
Net charge-offs0.90%
12th
Return on assets0.05%
6th
Loans to deposits57.5%
81st
Uninsured deposits18.5%
3rd
Loan-loss reserves0.00%
50th
Texas ratio5.5%
35th

Similar-size credit unions in Michigan

InstitutionScoreAssetsCapitalProblem loansCompare
Sovita Credit UnionCredit union Flint, MI90 out of 100, Very strong$592.0M16.1%0.31%vs
Embers Credit UnionCredit union Marquette, MI76 out of 100, Strong$621.8M12.1%0.64%vs
Adventure Credit UnionCredit union Grand Rapids, MI67 out of 100, Moderate$645.9M11.5%0.73%vs
Security Credit UnionCredit union Grand Blanc, MI58 out of 100, Moderate$653.2M9.8%0.80%vs
People Driven Credit UnionCredit union Southfield, MI65 out of 100, Moderate$520.0M10.1%0.57%vs
American 1 Credit UnionCredit union Jackson, MI65 out of 100, Moderate$661.3M15.6%2.07%vs

Deposit insurance

Is my money safe at Diversified Members Credit Union?

Yes. Diversified Members Credit Union is a federally insured credit union (NCUA charter #62339). 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 18.5% of shares and deposits ($84.1M) 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 14.71%, 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

Diversified Members Credit Union lists 3 offices in 3 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Diversified Members Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
62339
RSSD ID
841397
Primary regulator
State + NCUA
Established
1929
Headquarters
1480 E Jefferson Ave, Detroit, MI 48207
Employees
108

Quick answers

Diversified Members Credit Union: common questions

Is Diversified Members Credit Union NCUA insured?

Yes. Diversified Members Credit Union is a federally insured credit union (NCUA charter #62339). 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 Diversified Members 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 Diversified Members Credit Union have?

3 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Detroit

InstitutionScoreAssetsCapitalProblem loansCompare
Total Community Credit UnionCredit union Taylor, MI97 out of 100, Very strong$111.3M15.3%0.36%vs
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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