TellerScore

Flagship Community Federal Credit Union is a federal credit union headquartered in Port Huron, Michigan, in business for about 67 years. At the end of Q2 2026 it reported $34.8M in total assets and $30.7M in member shares and deposits, with 2 offices.

Flagship Community Federal Credit Union has a TellerScore of 76 out of 100 (strong) based on Q2 2026 data — higher than 54% of its 2,479 credit unions with under $100 million in assets. Among 169 credit unions headquartered in Michigan, it ranks 68th. Funding & liquidity contributes the most (100/100, 55% loans-to-deposits, 0% uninsured); earnings contributes the least (49/100, 0.73%).

TellerScore · Q2 2026

Scorecard

Capital cushion62/100
Net worth ratio: 11.22%
Loan quality90/100
Loans 60+ days delinquent ÷ total loans: 0.31%
Earnings49/100
Return on assets (annualized): 0.73%
Funding & liquidity100/100
Loans ÷ shares: 54.8% · 0.0% uninsured
Problem-loan coverage96/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.00%

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 4 points (72 → 76), mostly because the capital cushion component improved by 9 points.

TellerScore
697376Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202469
Q3 202470
Q4 202470
Q1 202572
Q2 202572
Q3 202574
Q4 202576
Q1 202675
Q2 202676
Net worth ratio
7.00%9.18%11.36%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20249.24%
Q3 20249.59%
Q4 202410.05%
Q1 202510.21%
Q2 202510.33%
Q3 202510.69%
Q4 202510.99%
Q1 202611.36%
Q2 202611.22%
Delinquent loans (60+ days)
0.27%0.48%0.69%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.51%
Q3 20240.54%
Q4 20240.69%
Q1 20250.46%
Q2 20250.53%
Q3 20250.43%
Q4 20250.27%
Q1 20260.33%
Q2 20260.31%
Return on assets
0.63%0.81%0.98%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.98%
Q3 20240.89%
Q4 20240.94%
Q1 20250.83%
Q2 20250.95%
Q3 20250.91%
Q4 20250.87%
Q1 20260.63%
Q2 20260.73%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202676$34.8M11.22%0.31%0.73%54.8%
Q1 202675$33.5M11.36%0.33%0.63%58.5%
Q4 202576$34.1M10.99%0.27%0.87%57.3%
Q3 202574$34.5M10.69%0.43%0.91%57.7%
Q2 202572$35.1M10.33%0.53%0.95%56.9%
Q1 202572$34.5M10.21%0.46%0.83%56.8%
Q4 202470$34.4M10.05%0.69%0.94%58.3%
Q3 202470$35.1M9.59%0.54%0.89%59.7%
Q2 202469$35.8M9.24%0.51%0.98%60.3%

2,479 peers · Under $100 million in assets

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 ratio11.22%
26th
Problem loans0.31%
68th
Net charge-offs0.01%
67th
Return on assets0.73%
55th
Loans to deposits54.8%
56th
Uninsured deposits0.0%
81st
Loan-loss reserves0.00%
37th
Texas ratio2.0%
52nd

Similar-size credit unions in Michigan

InstitutionScoreAssetsCapitalProblem loansCompare
Alpena Community Credit UnionCredit union Alpena, MI90 out of 100, Very strong$35.6M14.0%0.21%vs
Settlers Federal Credit UnionCredit union Bruce Crossing, MI92 out of 100, Very strong$37.8M19.7%0.79%vs
Graco Federal Credit UnionCredit union Alma, MI72 out of 100, Strong$38.2M9.7%0.58%vs
Detour Drummond Community Credit UnionCredit union Drummond Island, MI79 out of 100, Strong$38.5M18.1%1.59%vs
Gogebic County Federal Credit UnionCredit union Bessemer, MI92 out of 100, Very strong$38.5M17.2%0.89%vs
Kenowa Community Federal Credit UnionCredit union Wyoming, MI85 out of 100, Very strong$30.4M16.1%0.22%vs

Deposit insurance

Is my money safe at Flagship Community Federal Credit Union?

Yes. Flagship Community Federal Credit Union is a federally insured credit union (NCUA charter #13391). 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 0.0% of shares and deposits ($0) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 11.22%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

2 locations

Branches

Flagship Community Federal Credit Union lists 2 offices in 2 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Flagship Community Federal Credit Union
Type
Federal credit union
NCUA charter #
13391
RSSD ID
641382
Primary regulator
NCUA
Established
1959
Headquarters
3910 Lapeer Rd, Port Huron, MI 48060
Employees
12

Quick answers

Flagship Community Federal Credit Union: common questions

Is Flagship Community Federal Credit Union NCUA insured?

Yes. Flagship Community Federal Credit Union is a federally insured credit union (NCUA charter #13391). 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 Flagship Community Federal Credit Union's TellerScore?

76 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 Flagship Community Federal Credit Union have?

2 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Port Huron

InstitutionScoreAssetsCapitalProblem loansCompare
Blue Water Federal Credit UnionCredit union Port Huron, MI86 out of 100, Very strong$20.4M14.4%0.23%vs
Genisys Credit UnionCredit union Auburn Hills, MI81 out of 100, Strong$6.6B15.5%1.09%vs
Eastern Michigan BankBank Croswell, MI79 out of 100, Strong$553.6M12.0%0.63%vs
Tri-County BankBank Brown City, MI78 out of 100, Strong$638.6M13.6%1.30%vs
Thumb Bank and TrustBank Pigeon, MI77 out of 100, Strong$673.3M9.4%0.03%vs
Michigan Schools and Government Credit UnionCredit union Clinton Townshi, MI76 out of 100, Strong$4.4B12.6%0.61%vs