TellerScore

Financial Plus Credit Union (NCUA charter #68646) is based in Flint, Michigan. Its Q2 2026 call report shows $1.7B in total assets and $1.4B in member shares and deposits and 12 offices.

Based on its Q2 2026 filing, Financial Plus Credit Union scores 72/100, which we describe as strong. That is higher than 66% of 454 credit unions with $1 billion – $10 billion. Among 169 credit unions headquartered in Michigan, it ranks 86th. Its strongest component is problem-loan coverage (93/100; 3.6%), and its lowest is earnings (56/100; 0.90%).

TellerScore · Q2 2026

Scorecard

Capital cushion67/100
Net worth ratio: 11.71%
Loan quality84/100
Loans 60+ days delinquent ÷ total loans: 0.48%
Earnings56/100
Return on assets (annualized): 0.90%
Funding & liquidity71/100
Loans ÷ shares: 89.6% · 8.3% uninsured
Problem-loan coverage93/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 3.62%

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 (73 → 72).

TellerScore
717375Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202475
Q3 202474
Q4 202472
Q1 202571
Q2 202573
Q3 202573
Q4 202571
Q1 202671
Q2 202672
Net worth ratio
7.00%9.70%12.40%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202412.34%
Q3 202412.40%
Q4 202412.29%
Q1 202511.84%
Q2 202511.86%
Q3 202512.01%
Q4 202511.82%
Q1 202611.66%
Q2 202611.71%
Delinquent loans (60+ days)
0.44%0.58%0.71%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.60%
Q3 20240.66%
Q4 20240.67%
Q1 20250.50%
Q2 20250.44%
Q3 20250.54%
Q4 20250.71%
Q1 20260.59%
Q2 20260.48%
Return on assets
0.72%0.87%1.02%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.95%
Q3 20240.95%
Q4 20240.85%
Q1 20250.72%
Q2 20250.88%
Q3 20251.00%
Q4 20251.02%
Q1 20260.91%
Q2 20260.90%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202672$1.7B11.71%0.48%0.90%89.6%
Q1 202671$1.6B11.66%0.59%0.91%87.3%
Q4 202571$1.6B11.82%0.71%1.02%88.4%
Q3 202573$1.5B12.01%0.54%1.00%91.2%
Q2 202573$1.5B11.86%0.44%0.88%89.4%
Q1 202571$1.5B11.84%0.50%0.72%87.0%
Q4 202472$1.4B12.29%0.67%0.85%86.3%
Q3 202474$1.4B12.40%0.66%0.95%83.2%
Q2 202475$1.4B12.34%0.60%0.95%81.1%

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 ratio11.71%
64th
Problem loans0.48%
70th
Net charge-offs0.67%
33rd
Return on assets0.90%
59th
Loans to deposits89.6%
45th
Uninsured deposits8.3%
58th
Loan-loss reserves0.00%
50th
Texas ratio3.6%
66th

Similar-size credit unions in Michigan

InstitutionScoreAssetsCapitalProblem loansCompare
Frankenmuth Credit UnionCredit union Frankenmuth, MI64 out of 100, Moderate$1.6B10.3%1.19%vs
Vibe Credit UnionCredit union Novi, MI62 out of 100, Moderate$1.6B10.5%1.08%vs
Credit Union OneCredit union Ferndale, MI76 out of 100, Strong$1.8B11.6%0.42%vs
Michigan First Credit UnionCredit union Lathrup Village, MI72 out of 100, Strong$1.5B15.8%1.14%vs
Orsa Credit UnionCredit union Plymouth, MI47 out of 100, Below average$1.5B9.8%1.52%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 Financial Plus Credit Union?

Yes. Financial Plus Credit Union is a federally insured credit union (NCUA charter #68646). 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 8.3% of shares and deposits ($112.6M) are above the $250,000 NCUA insurance limit, close to the peer median of 9%. Insured balances are protected regardless of the score.

The net worth ratio is 11.71%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

12 locations

Branches

Financial Plus Credit Union lists 12 offices in 8 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Financial Plus Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
68646
RSSD ID
420989
Primary regulator
State + NCUA
Established
1952
Headquarters
G3381 Van Slyke Rd, Flint, MI 48507
Employees
313

Quick answers

Financial Plus Credit Union: common questions

Is Financial Plus Credit Union NCUA insured?

Yes. Financial Plus Credit Union is a federally insured credit union (NCUA charter #68646). 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 Financial Plus Credit Union's TellerScore?

72 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 Financial Plus Credit Union have?

12 offices as of the latest NCUA data.