TellerScore

Freestar Financial Credit Union is a federally insured state-chartered credit union headquartered in Mount Clemens, Michigan, in business for about 69 years. At the end of Q2 2026 it reported $350.0M in total assets and $312.5M in member shares and deposits, with 4 offices.

Based on its Q2 2026 filing, Freestar Financial Credit Union scores 59/100, which we describe as moderate. That is higher than only 19% of 1,341 credit unions with $100 million – $1 billion. Among 169 credit unions headquartered in Michigan, it ranks 152nd. Its strongest component is funding & liquidity (92/100; 69% loans-to-deposits, 5% uninsured), and its lowest is earnings (38/100; 0.45%).

TellerScore · Q2 2026

Scorecard

Capital cushion46/100
Net worth ratio: 9.63%
Loan quality61/100
Loans 60+ days delinquent ÷ total loans: 1.17%
Earnings38/100
Return on assets (annualized): 0.45%
Funding & liquidity92/100
Loans ÷ shares: 68.7% · 5.1% uninsured
Problem-loan coverage85/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 7.50%

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 (59 → 59).

TellerScore
566063Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202463
Q3 202461
Q4 202462
Q1 202561
Q2 202559
Q3 202556
Q4 202560
Q1 202661
Q2 202659
Net worth ratio
7.00%8.52%10.03%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20249.55%
Q3 20249.72%
Q4 20249.73%
Q1 20259.46%
Q2 20259.68%
Q3 202510.03%
Q4 20259.70%
Q1 20269.44%
Q2 20269.63%
Delinquent loans (60+ days)
0.47%0.91%1.34%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.47%
Q3 20240.73%
Q4 20240.83%
Q1 20250.82%
Q2 20251.05%
Q3 20251.34%
Q4 20250.93%
Q1 20260.82%
Q2 20261.17%
Return on assets
0.27%0.36%0.46%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.30%
Q3 20240.31%
Q4 20240.46%
Q1 20250.30%
Q2 20250.38%
Q3 20250.27%
Q4 20250.27%
Q1 20260.29%
Q2 20260.45%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202659$350.0M9.63%1.17%0.45%68.7%
Q1 202661$351.3M9.44%0.82%0.29%67.7%
Q4 202560$339.1M9.70%0.93%0.27%70.0%
Q3 202556$325.5M10.03%1.34%0.27%72.2%
Q2 202559$337.4M9.68%1.05%0.38%70.9%
Q1 202561$340.8M9.46%0.82%0.30%69.3%
Q4 202462$328.9M9.73%0.83%0.46%73.9%
Q3 202461$321.7M9.72%0.73%0.31%77.4%
Q2 202463$319.0M9.55%0.47%0.30%75.6%

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 ratio9.63%
22nd
Problem loans1.17%
23rd
Net charge-offs0.52%
34th
Return on assets0.45%
27th
Loans to deposits68.7%
63rd
Uninsured deposits5.1%
59th
Loan-loss reserves0.00%
50th
Texas ratio7.5%
23rd

Similar-size credit unions in Michigan

InstitutionScoreAssetsCapitalProblem loansCompare
Michigan United Credit UnionCredit union Auburn Hills, MI76 out of 100, Strong$349.3M12.0%0.10%vs
Extra Credit UnionCredit union Warren, MI79 out of 100, Strong$345.4M17.5%1.56%vs
Peninsula Federal Credit UnionCredit union Escanaba, MI58 out of 100, Moderate$355.7M9.0%0.94%vs
United Financial Credit UnionCredit union Saginaw, MI68 out of 100, Moderate$360.1M10.7%1.03%vs
Marshall Community Credit UnionCredit union Marshall, MI78 out of 100, Strong$371.8M17.2%2.08%vs
Our Credit UnionCredit union Royal Oak, MI68 out of 100, Moderate$375.1M10.0%0.48%vs

Deposit insurance

Is my money safe at Freestar Financial Credit Union?

Yes. Freestar Financial Credit Union is a federally insured credit union (NCUA charter #60406). 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 5.1% of shares and deposits ($15.9M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 9.63%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

4 locations

Branches

Freestar Financial Credit Union lists 4 offices in 4 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Freestar Financial Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
60406
RSSD ID
161394
Primary regulator
State + NCUA
Established
1957
Headquarters
PO Box 2800, Mount Clemens, MI 48046
Employees
77

Quick answers

Freestar Financial Credit Union: common questions

Is Freestar Financial Credit Union NCUA insured?

Yes. Freestar Financial Credit Union is a federally insured credit union (NCUA charter #60406). 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 Freestar Financial Credit Union's TellerScore?

59 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 Freestar Financial Credit Union have?

4 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Mount Clemens

InstitutionScoreAssetsCapitalProblem loansCompare
JPMorgan Chase Bank, DearbornBank Dearborn, MI94 out of 100, Very strong$71.5M99.6%0.00%vs
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
Cha-Tel Federal Credit UnionCredit union Charleston, WV86 out of 100, Very strong$11.5M13.6%0.04%vs