TellerScore

Headquartered in Frankenmuth, Michigan, Frankenmuth Credit Union is a federally insured state-chartered credit union with $1.6B in total assets and $1.4B in member shares and deposits as of Q2 2026. It operates 17 offices. Its charter dates back to 1964.

Based on its Q2 2026 filing, Frankenmuth Credit Union scores 64/100, which we describe as moderate. That is higher than only 36% of 454 credit unions with $1 billion – $10 billion. Among 169 credit unions headquartered in Michigan, it ranks 141st. Its strongest component is problem-loan coverage (81/100; 9.7%), and its lowest is capital cushion (53/100; 10.31%).

TellerScore · Q2 2026

Scorecard

Capital cushion53/100
Net worth ratio: 10.31%
Loan quality60/100
Loans 60+ days delinquent ÷ total loans: 1.19%
Earnings74/100
Return on assets (annualized): 1.34%
Funding & liquidity68/100
Loans ÷ shares: 82.3% · 23.6% uninsured
Problem-loan coverage81/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 9.73%

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 (64 → 64).

TellerScore
616466Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202464
Q3 202465
Q4 202464
Q1 202566
Q2 202564
Q3 202561
Q4 202563
Q1 202666
Q2 202664
Net worth ratio
7.00%8.65%10.31%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20249.78%
Q3 20249.92%
Q4 20249.78%
Q1 20259.92%
Q2 20259.94%
Q3 20259.95%
Q4 20259.97%
Q1 202610.17%
Q2 202610.31%
Delinquent loans (60+ days)
0.65%0.92%1.19%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.78%
Q3 20240.65%
Q4 20240.65%
Q1 20250.77%
Q2 20250.97%
Q3 20251.09%
Q4 20250.95%
Q1 20261.07%
Q2 20261.19%
Return on assets
0.85%1.18%1.51%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.06%
Q3 20241.05%
Q4 20240.85%
Q1 20251.30%
Q2 20251.16%
Q3 20251.08%
Q4 20251.04%
Q1 20261.51%
Q2 20261.34%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202664$1.6B10.31%1.19%1.34%82.3%
Q1 202666$1.6B10.17%1.07%1.51%81.5%
Q4 202563$1.5B9.97%0.95%1.04%83.2%
Q3 202561$1.5B9.95%1.09%1.08%84.6%
Q2 202564$1.5B9.94%0.97%1.16%84.3%
Q1 202566$1.5B9.92%0.77%1.30%83.3%
Q4 202464$1.4B9.78%0.65%0.85%83.6%
Q3 202465$1.4B9.92%0.65%1.05%86.5%
Q2 202464$1.3B9.78%0.78%1.06%87.8%

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 ratio10.31%
36th
Problem loans1.19%
19th
Net charge-offs0.43%
61st
Return on assets1.34%
86th
Loans to deposits82.3%
66th
Uninsured deposits23.6%
2nd
Loan-loss reserves0.00%
50th
Texas ratio9.7%
16th

Similar-size credit unions in Michigan

InstitutionScoreAssetsCapitalProblem loansCompare
Vibe Credit UnionCredit union Novi, MI62 out of 100, Moderate$1.6B10.5%1.08%vs
Financial Plus Credit UnionCredit union Flint, MI72 out of 100, Strong$1.7B11.7%0.48%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
University of Michigan Credit UnionCredit union Ann Arbor, MI61 out of 100, Moderate$1.5B11.1%0.82%vs
Credit Union OneCredit union Ferndale, MI76 out of 100, Strong$1.8B11.6%0.42%vs

Deposit insurance

Is my money safe at Frankenmuth Credit Union?

Yes. Frankenmuth Credit Union is a federally insured credit union (NCUA charter #61755). 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 23.6% of shares and deposits ($334.2M) 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 10.31%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

17 locations

Branches

Frankenmuth Credit Union lists 17 offices in 12 cities. Most locations:

  • Saginaw, MI (3)
  • Birch Run, MI (2)
  • Frankenmuth, MI (2)
  • Reese, MI (2)
  • Bad Axe, MI (1)
  • Caro, MI (1)
  • Marlette, MI (1)
  • Midland, MI (1)
  • Millington, MI (1)
  • Owosso, MI (1)
  • Sebewaing, MI (1)
  • Vassar, MI (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Frankenmuth Credit Union reported 988 home-loan applications under HMDA (LEI 254900BQVRDMH5K9QS04): 937 originated ($153,365,000 total), 27 denied, and 23 withdrawn or closed by the applicant. Its denial rate on decided applications was 2.8%, 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
Frankenmuth Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
61755
RSSD ID
100393
Primary regulator
State + NCUA
Established
1964
Headquarters
PO Box 209, Frankenmuth, MI 48734
Employees
423

Quick answers

Frankenmuth Credit Union: common questions

Is Frankenmuth Credit Union NCUA insured?

Yes. Frankenmuth Credit Union is a federally insured credit union (NCUA charter #61755). 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 Frankenmuth Credit Union's TellerScore?

64 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 Frankenmuth Credit Union have?

17 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Frankenmuth

InstitutionScoreAssetsCapitalProblem loansCompare
Health Advantage Federal Credit UnionCredit union Saginaw, MI82 out of 100, Strong$179.3M13.4%0.33%vs
Genisys Credit UnionCredit union Auburn Hills, MI81 out of 100, Strong$6.6B15.5%1.09%vs
Consumers Professional Credit UnionCredit union Lansing, MI81 out of 100, Strong$149.7M16.8%1.28%vs
Thumb Bank and TrustBank Pigeon, MI77 out of 100, Strong$673.3M9.4%0.03%vs
1st State BankBank Saginaw, MI76 out of 100, Strong$490.1M12.3%0.35%vs
Elga Credit UnionCredit union Grand Blanc, MI75 out of 100, Strong$2.5B17.8%1.38%vs